@incollection{,
	
					
					
					AE5A951CFDF2D3F95DC0B87C53169314
				,
	author={{SujathaNethananthan} and {University of Jaffna}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1851123
}

@book{b0,
	
	
		,
	title={{Adoption of Electronic Banking Services by Iranian Customers}}
		,
	author={{
			PAlagheband
		}}
		
		
			,
	year={2006}
		
	

}

@incollection{b1,
	
	
		,
	title={{An Exploratory Study of Factors Affecting the Internet Banking Adoption: A Qualitative Study among Postgraduate Students}}
		,
	author={{
			NHAl-Fahim
		}}
	
	
		,
	journal={{Global Journal of Management and Business Research Finance}}
		
			13
			8
			
			,
	year={2013}
		
	

}

@incollection{b2,
	
	
		,
	title={{Determinants of Internet Banking Adoption among Customers of Commercial Banks: An Empirical Study in the Jordanian Banking Sector}}
		,
	author={{
			HAAlwan
		} and {
			AIssa Al-Zu'bi
		}}
		
		Doe: 10. 5539/ijbm.v11n3p95
	
	
		,
	journal={{International Journal of Business and Management}}
		
			11
			3
			
			,
	year={2016}
		
	

}

@incollection{b3,
	
	
		,
	title={{Presenting and Evaluating Qualitative Research}}
		,
	author={{
			CAnderson
		}}
		
	
	
		,
	journal={{American Journal of Pharmaceutical Education}}
		
			74
			8
		
	

}

@book{b4,
	
	
		,
	title={{Factors influencing the Adoption of Internet Banking (Master's thesis)}}
		,
	author={{
			SNBaraghani
		}}
		
		
			,
	year={2007}
		
	

}

@incollection{b5,
	
	
		,
	title={{}}
	
	
		,
	journal={{District Secretariat-Jaffna}}
		
			,
	year={2016}
			,
	publisher={Statistical Hand Book of Jaffna District}
		
	

}

@book{b6,
	
	
		,
	title={{Federal Financial Institutions Examinations Council, Authentication in an Internet Banking Environment}}
		
		
	

}

@incollection{b7,
	
	
		,
	title={{The diffusion of Internet banking among Singapore consumers}}
		,
	author={{
			PGerrard
		} and {
			BCunningham
		}}
		
		10.1108/02652320310457776
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			21
			1
			
			,
	year={2003}
		
	

}

@incollection{b8,
	
	
		,
	title={{Why consumers are not using Internet Banking: A qualitative study}}
		,
	author={{
			PGerrard
		} and {
			BCunningham
		} and {
			JFDelvin
		}}
		
		
		10.1108/08876040610665616
	
	
		,
	journal={{Journal of Services Marketing}}
		
			20
			3
			
			,
	year={2006}
		
	

}

@book{b9,
	
	
		,
	title={{Do you suffer from a password rage? A third of people have thrown a tantrum after forgetting login details. Daily Mail}}
		,
	author={{
			RGray
		}}
		08.06
		
		
			,
	year={2016}
		
	

}

@book{b10,
	
	
		,
	title={{Ethics in qualitative research: Issues and challenges. Research Programmed Consortium on Implementing Education Quality in Low Income Countries}}
		,
	author={{
			Halai
		}}
		
		
			,
	year={2006}
		
	
	,
	note={Equal Working Paper}

}

@incollection{b11,
	
	
		,
	title={{Factors Affecting to Customer Adoption of Internet Banking}}
		,
	author={{
			HAHettiarachchi
		}}
	
	
		,
	journal={{Kelaniya Journal of Management}}
		
			
			,
	year={2014}
		
	

}

@book{b12,
	
	
		,
	title={{Three Approaches to Qualitative Content Analysis, Qualitative Health Research}}
		,
	author={{
			HHsieh
			
				SAGE Journals
			
		} and {
			SEShannon
			
				SAGE Journals
			
		}}
		
		doe:10.1177/1049732305276687
		
			,
	year={2005. November 2005}
			
		
	

}

@book{b13,
	
	
		,
	title={{Adoption of Internet Banking in Ireland}}
		,
	author={{
			LHynes
		}}
		
		
			,
	year={2001}
		
	

}

@book{b14,
	
	
		,
	title={{Barriers or failures?: Is the spirit of entrepreneurship missing in Jaffna?}}
		,
	author={{
			ZImtiaz
		}}
		03.02
		
			,
	year={2017}
			,
	publisher={Daily News}
		
	

}

@incollection{b15,
	
	
		,
	title={{Popularity of Electronic Banking in Sri Lanka}}
		,
	author={{
			NKJayasiri
		}}
	
	
		,
	booktitle={{Proceedings to the 3 rd International Research Conference on Management and Finance}}
				to the 3 rd International Research Conference on Management and FinanceSri Lanka
		
			,
	year={2008. 2008}
			
		
		
			University of Colombo
		
	

}

@incollection{b16,
	
	
		,
	title={{Service quality in the banking sector: The impact of technology on Service delivery}}
		,
	author={{
			MJoseph
		} and {
			CM BJoseph
		}}
		
		doi: 10.1108 /0265232
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			17
			17
			910278879
			,
	year={1999}
		
	

}

@incollection{b17,
	
	
		,
	title={{The use of information technology to transform the banking sector in developing nations}}
		,
	author={{
			SKamel
		}}
	
	
		,
	journal={{Journal of Information Technology for Development}}
		
			14
			4
			
			,
	year={2005}
		
	

}

@incollection{b18,
	
	
		,
	title={{Awareness and Usage of Internet Banking Facilities in Sri Lanka}}
		,
	author={{
			NJKariyawasam
		} and {
			NKJayasiri
		}}
		
	
	
		,
	journal={{International Journal of Scientific and Innovative Technology}}
		
			6
			6
			
			,
	year={2016}
		
	

}

@incollection{b19,
	
	
		,
	title={{Internet Waves: Your password has expired and must be changed}}
		,
	author={{
			SDKennedy
		}}
		
	
	
		,
	journal={{Information Today}}
		
			3
			33
			,
	year={2016}
		
	

}

@book{b20,
	
	
		,
	title={{Qualitative Data Analysis}}
		,
	author={{
			MBMiles
		} and {
			AMHuberman
		} and {
			JSaldana
		}}
		
		
		
			,
	year={2014}
			,
	publisher={SAGE publications}
			,
	address={Los Angeles}
		
	

}

@book{b21,
	
	
		,
	title={{Factors Influencing the Adoption and usage of Internet Banking: A New Zealand Perspective}}
		,
	author={{
			BPodder
		}}
		
		
			,
	year={2005}
		
	

}

@incollection{b22,
	
	
		,
	title={{Consumer Adoption of Internet Banking in Sri Lanka}}
		,
	author={{
			WPremarathne
		} and {
			MMGunatilake
		}}
		
		10.21474/IJAR01/2142
	
	
		,
	journal={{International Journal of Advanced Research}}
		
			4
			11
			
			,
	year={2016}
		
	

}

@book{b23,
	
	
		,
	title={{Diffusion of Innovations}}
		,
	author={{
			ERogers
		}}
		
			,
	year={1983}
			,
	publisher={Free press}
			,
	address={New York}
		
	

}

@incollection{b24,
	
	
		,
	title={{Barriers to Internet banking adoption: A qualitative study among corporate customers in Thailand}}
		,
	author={{
			SRotchanakitumnuai
		} and {
			MSpeece
		}}
		
		10.1108/0265232031049846
	
	
		,
	journal={{Internal Journal of Bank Marketing}}
		
			21
			6/7
			
			,
	year={2003}
		
	

}

@incollection{b25,
	
	
		,
	title={{Adoption of Internet Banking by Australian consumers: An empirical investigation}}
		,
	author={{
			MSathye
		}}
		10.1108/0265232991030568
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			17
			7
			
			,
	year={1999}
		
	

}

@incollection{b26,
	
	
		,
	title={{Factors Influencing the Adoption of Internet Banking: (Special Reference to the South Eastern Region}}
		,
	author={{
			MMShiraj
		}}
	
	
		,
	booktitle={{Second International Symposium -2015}}
				Sri Lanka
		
			,
	year={2015}
			
		
		
			South-Eastern University of Sri Lanka
		
	

}

@book{b27,
	
	
		,
	title={{Post-war marketing strategies for the conflict affected areas in Sri Lanka}}
		,
	author={{
			SShivany
		}}
		
			,
	year={2015}
		
	
	,
	note={Doctoral dissertation}

}

@incollection{b28,
	
	
		,
	title={{An introduction to phenomenological research}}
		,
	author={{
			StanLester
		}}
	
	
		,
	booktitle={{/255647619_ An_introductiono_ phenomenological_research}}
				
			,
	year={1999}
		
	

}

@incollection{b29,
	
	
		,
	title={{Factors Influencing the Adoption of Internet Banking}}
		,
	author={{
			MTan
		} and {
			TTeo
		}}
		
	
	
		,
	journal={{Journal of the Association for Information Systems}}
		
			1
			5
			
			,
	year={2000}
		
	

}

@incollection{b30,
	
	
		,
	title={{User's adoption of e-banking services: The Malaysian perspective}}
		,
	author={{
			Wai-ChingPoon
		}}
		10.1108/08858620810841498
	
	
		,
	journal={{Journal of Business Marketing}}
		
			23
			23
			
			,
	year={2007}
		
	

}

@book{b31,
	
	
		,
	title={{Expansion of Internet Banking-Overcoming the Barriers}}
		,
	author={{
			KWijayaratne
		}}
		
		
			,
	year={2015}
		
	

}