A Decision Model of Kenyan SMEs' Consumer Choice Behavior in Relation to Registration for a Mobile Banking Service: A Contextual Perspective

References

• Adekunle, P. A., & Tella, A. (2008). Nigeria SMEs participation in electronic economy: Problems and the way forward. Journal of Internet Banking & Commerce, 13(3), 1–13.
   Google Scholar
• Agar, M. H., & Hobbs, J. R. (1983). Natural plans: Using AI planning in the analysis of ethnographic interviews. Ethos, 11(1–2), 33–48. doi: 10.1525/eth.1983.11.1-2.02a00030
   Web of Science ®Google Scholar
• Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. doi: 10.1016/0749-5978(91)90020-T
   Web of Science ®Google Scholar
• Ajzen, I., & Fishbein, M. (1977). Attitude-behavior relations: A theoretical analysis and review of empirical research. Psychological Bulletin, 84(5), 888–918. doi: 10.1037/0033-2909.84.5.888
   Web of Science ®Google Scholar
• Aker, J., & Mbiti, I. (2010). Mobile phones and economic development in Africa. Center for Global Development Working Paper, No. 211. Retrieved July 19, 2013, from http://dx.doi.org/10.2139/ssrn.1693963
   Google Scholar
• Akhlaghpour, S., Wu, J., Lapointe, L., & Pinsonneault, A. (2009). Re-examining the status of “IT” in IT research-an update on Orlikowski and Iacono (2001). AMCIS 2009 Proceedings. Paper 187. Retrieved June 23, 2013, from http://aisel.aisnet.org/amcis2009/187
   Google Scholar
• Anderson, J. (2010). M-banking in developing markets: Competitive and regulatory implications. Info, 12(1), 18–25. doi: 10.1108/14636691011015358
   Google Scholar
• Astrom, B. A., & Svennesson, B. A. (1998). Unstructured supplementary service data from a home location register to an external node. U.S. Patent No. 5,752,188. Washington, DC: U.S. Patent and Trademark Office.
   Google Scholar
• Avgerou, C. (1998). How can IT enable economic growth in developing countries? Information Technology for Development, 8(1), 15–28. doi: 10.1080/02681102.1998.9525288
   Google Scholar
• Avgerou, C. (2001). The significance of context in information systems and organizational change. Information Systems Journal, 11(1), 43–63. doi: 10.1046/j.1365-2575.2001.00095.x
   Web of Science ®Google Scholar
• Avgerou, C. (2008). Discourses on innovation and development in information systems in developing countries’ research. Journal of Information Technology, 23(3), 133–146. doi: 10.1057/palgrave.jit.2000136
   Web of Science ®Google Scholar
• Avgerou, C. (2010). Discourses on ICT and development. Information Technologies and International Development, 6(3), 1–18. doi: 10.4018/jiit.2010070101
   Google Scholar
• Bailey, A., & Ngwenyama, O. (2013). Toward entrepreneurial behavior in underserved communities: An ethnographic decision tree model of telecenter usage. Information Technology for Development, 19(3), 230–248. doi: 10.1080/02681102.2012.751571
   Web of Science ®Google Scholar
• Barth, J., Lin, D., & Yost, K. (2011). Small and medium enterprise financing in transition economies. Atlantic Economic Journal, 39(1), 19–38. doi: 10.1007/s11293-010-9260-0
   Google Scholar
• Beck, K. A. (2005). Ethnographic decision tree modeling: A research method for counseling psychology. Journal of Counseling Psychology, 52(2), 243–249. doi: 10.1037/0022-0167.52.2.243
   Web of Science ®Google Scholar
• Beck, T., & Demirgüç-Kunt, A. (2008). Access to finance: An unfinished agenda. The World Bank Economic Review, 22(3), 383–396. doi: 10.1093/wber/lhn021
   Web of Science ®Google Scholar
• Berry, J. W. (1989). Imposed etics-emics-derived etics: The operationalization of a compelling idea. International Journal of Psychology, 24(6), 721–735. doi: 10.1080/00207598908247841
   Web of Science ®Google Scholar
• Bezuidenhoudt, J., & Porteous, D. (2008). Managing the risk of mobile banking technologies. Report commissioned by FinMark Trust to Bankable Frontier Associates Boston, MA/Cape Town: Bankable Frontier Associates.
   Google Scholar
• Bhattacharyya, S. S., & Sivanand, G. (2011). Mobile telephony network value-added services, quest for capturing the value created most: Answers from the concept of value network. Synergy, 9(2), 1–18.
   Google Scholar
• Brown, I., Cajee, Z., Davies, D., & Stroebel, S. (2003). Cell phone banking: Predictors of adoption in South Africa, an exploratory study. International Journal of Information Management, 23(5), 381–394. doi: 10.1016/S0268-4012(03)00065-3
   Web of Science ®Google Scholar
• Calderón, C., & Liu, L. (2003). The direction of causality between financial development and economic growth. Journal of Development Economics, 72(1), 321–334. doi: 10.1016/S0304-3878(03)00079-8
   Web of Science ®Google Scholar
• Communications Commission of Kenya (2012). Quarterly sector statistics report, fourth quarter of the financial year 2011/2012. Nairobi: CCK.
   Google Scholar
• Chibba, M. (2009). Financial inclusion, poverty reduction and the millennium development goals. European Journal of Development Research, 21(2), 213–230. doi: 10.1057/ejdr.2008.17
   Web of Science ®Google Scholar
• Claessens, S., & Klingebiel, D. (2001). Competition and scope of activities in financial services. World Bank Research Observer, 16(1), 19–41. doi: 10.1093/wbro/16.1.19
   Web of Science ®Google Scholar
• Davenport, R. D. (2007). Perceived smart technology needs among elders with mobility impairments: An ethnographic approach (Doctoral thesis). University of Florida.
   Google Scholar
• Demombynes, G., & Thegeya, A. (2012). Kenya's mobile revolution and the promise of mobile savings. World Bank Policy Research Working Paper No. 5988, Washington, DC: World Bank.
   Google Scholar
• Denzin, N. K., & Lincoln, Y. S. (2000). The discipline and practice of qualitative research. In N. Denzin & Y. Lincoln (Eds.), Handbook of qualitative research (pp. 1–32). Los Angeles, CA: Sage Publications.
   Google Scholar
• Donner, J. (2008). Research approaches to mobile use in the developing world: A review of the literature. Information Society, 24(3), 140–159. doi: 10.1080/01972240802019970
   Web of Science ®Google Scholar
• Donner, J., & Tellez, C. A. (2008). Mobile banking and economic development: Linking adoption, impact, and use. Asian Journal of Communication, 18(4), 318–332. doi: 10.1080/01292980802344190
   Web of Science ®Google Scholar
• Duncombe, R. (1999). Information, ICTs and small enterprise: Findings from Botswana. Institute for Development Policy and Management, Manchester: University of Manchester.
   Google Scholar
• Duncombe, R., & Boateng, R. (2009). Mobile phones and financial services in developing countries: A review of concepts, methods, issues, evidence and future research directions. Third World Quarterly, 30(7), 1237–1258. doi: 10.1080/01436590903134882
   Web of Science ®Google Scholar
• Fishbein, M. (1979). A theory of reasoned action: Some applications and implications. Nebraska Symposium on Motivation, 27, 65–116.
   Google Scholar
• Fishbein, M., & Ajzen, I. (1975). Belief, attitude, intention and behavior: An introduction to theory and research. Reading, MA: Addison-Wesley.
   Google Scholar
• Fjellman, S. M. (1976). Natural and unnatural decision-making. Ethos, 4(1), 73–94. doi: 10.1525/eth.1976.4.1.02a00040
   Web of Science ®Google Scholar
• Franzel, S. C. (1984). Modeling farmers’ decisions in a farming systems research exercise: The adoption of an improved maize variety in Kirinyaga district, Kenya. Human Organization, 43(3), 198–207.
   Google Scholar
• Gardiner, H. (1985). The mind's new science. New York, NY: Basic Books.
   Google Scholar
• Ghezzi, A., Renga, F., Balocco, R., & Pescetto, P. (2010). Mobile payment applications offer state of the art in the Italian market. Info, 12(5), 3–22. doi: 10.1108/14636691011071130
   Google Scholar
• Giddens, A. (1984). The constitution of society: Outline of the theory of structuration. Cambridge: Polity Press.
   Google Scholar
• Gladwin, C. H. (1976). A view of the Plan Puebla: An application of hierarchical decision models. American Journal of Agricultural Economics, 58(5), 881–887. doi: 10.2307/1239987
   Web of Science ®Google Scholar
• Gladwin, C. H. (1977). A model of farmers’ decisions to adopt the recommendations of Plan Puebla. Food Research Institute, Stanford, CA: Stanford University.
   Google Scholar
• Gladwin, C. H. (1979a). Cognitive strategies and adoption decisions: A case study of non-adoption of an agronomic recommendation. Economic Development and Cultural Change, 28(1), 155–173. doi: 10.1086/451158
   Web of Science ®Google Scholar
• Gladwin, C. H. (1979b). Production functions and decision models: Complementary models. American Ethnologist, 6(4), 653–674. doi: 10.1525/ae.1979.6.4.02a00030
   Google Scholar
• Gladwin, C. H. (1983). Contributions of decision-tree methodology to a farming systems program. Human Organization, 42(2), 146–157.
   Web of Science ®Google Scholar
• Gladwin, C. H. (1989a). Ethnographic decision tree modeling. Newbury Park, CA: Sage Publications.
   Google Scholar
• Gladwin, C. H. (1989b). Modeling farmers’ decisions to change: Using cognitive science in the design of agricultural technology. In D. Groenfeldt & J. Lewinger Moock (Eds.), Social science perspectives on managing agricultural technology (pp. 127–141). Colombia: International Irrigation Management Institute.
   Google Scholar
• Gladwin, C. H., & Barlett, P. (1980). A theory of real-life choice: Applications to agricultural decisions. In P. Barlett (Ed.), Agricultural decision making (pp. 45–85). New York, NY: Academic Press.
   Google Scholar
• Gladwin, C. H., & Murtaugh, M. (1980). The attentive/preattentive distinction in agricultural decision making. In P. Barlett (Ed.), Agricultural decision making (pp. 115–136). New York, NY: Academic Press.
   Google Scholar
• Gladwin, C. H., Peterson, J. S., & Mwale, A. C. (2002). The quality of science in participatory research: A case study from Eastern Zambia. World Development, 30(4), 523–543. doi: 10.1016/S0305-750X(02)00002-5
   Web of Science ®Google Scholar
• Gomez, R. (2008). The quest for intangibles: Understanding ICTs for digital inclusion beyond socio-economic impact. Prato CIRN 2008 Community Informatics Conference: ICTs for Social Inclusion: What is the Reality? 1–7.
   Google Scholar
• Gomez, R., & Pather, S. (2011). ICT evaluation: Are we asking the right questions? The Electronic Journal of Information Systems in Developing Countries, 50(5), 1–14.
   Google Scholar
• Heeks, R. (2008). ICT4D 2.0: The next phase of applying ICT for international development. Computer, 41(6), 26–33. doi: 10.1109/MC.2008.192
   Web of Science ®Google Scholar
• Heeks, R. (2010). Do information and communication technologies (ICTs) contribute to development? Journal of International Development, 22(5), 625–640. doi: 10.1002/jid.1716
   Web of Science ®Google Scholar
• Ivatury, G., & Pickens, M. (2006). Mobile phone banking and low-income customers: Evidence for South Africa. Washington, DC: CGAP/Grupo del Banco Mundial.
   Google Scholar
• Jack, W., Suri, T., & Townsend, R. (2010). Monetary theory and electronic money: Reflections on the Kenyan experience. Economic Quarterly, 96(1), 83–122.
   Google Scholar
• Jonsen, K., & Jehn, K. A. (2009). Using triangulation to validate themes in qualitative studies. Qualitative Research in Organizations and Management: An International Journal, 4(2), 123–150. doi: 10.1108/17465640910978391
   Google Scholar
• Kabukuru, W. (2010). Mobile banking: Kenya leading a new revolution. New African, 494, 76–77.
   Google Scholar
• Kahneman, D., & Tversky, A. (1982). The psychology of preferences. Scientific American, 246(1), 160–173. doi: 10.1038/scientificamerican0182-160
   Web of Science ®Google Scholar
• Kelly, G. A. (1955). The psychology of personal constructs. New York, NY: Norton.
   Google Scholar
• Kiringai, J., Fengler, W., Demombynes, G., Gitau, M., Owegi, F., & Sullivan, R. (2010). Kenya at the tipping point? With a focus on ICT revolution and mobile money. Kenya Economic Update Series. Washington, DC: World Bank.
   Google Scholar
• Koenig-Lewis, N., Palmer, A., & Moll, A. (2010). Predicting young consumers’ take up of mobile banking services. International Journal of Bank Marketing, 28(5), 410–432. doi: 10.1108/02652321011064917
   Google Scholar
• Lancaster, K. J. (1966). A new approach to consumer theory. The Journal of Political Economy, 74(2), 132–157. doi: 10.1086/259131
   Web of Science ®Google Scholar
• Lave, C. A., & March, J. G. (1975). An introduction to models in the social sciences. New York, NY: Harper & Row.
   Google Scholar
• Luarn, P., & Lin, H. (2005). Toward an understanding of the behavioral intention to use mobile banking. Computers in Human Behavior, 21(6), 873–891. doi: 10.1016/j.chb.2004.03.003
   Web of Science ®Google Scholar
• Luo, X., Li, H., Zhang, J., & Shim, J. P. (2010). Examining multi-dimensional trust and multi-faceted risk in initial acceptance of emerging technologies: An empirical study of mobile banking services. Decision Support Systems, 49(2), 222–234. doi: 10.1016/j.dss.2010.02.008
   Web of Science ®Google Scholar
• Lyman, T., Ivatury, G., & Staschen, S. (2006). Use of agents in branchless banking for the poor: Rewards, risks, and regulation. Consultative Group to Assist the Poor (CGAP), Focus Note, 38, Washington, DC: CGAP.
   Google Scholar
• Malinowski, B. (1922). Argonauts of the Western Pacific, an account of native enterprise and adventure in the archipelagoes of Melanesian New Guinea. London: Routledge.
   Google Scholar
• Mansell, R. (1999). Information and communication technologies for development: Assessing the potential and the risks. Telecommunications Policy, 23(1), 35–50. doi: 10.1016/S0308-5961(98)00074-3
   Web of Science ®Google Scholar
• Mas, I., & Kumar, K. (2008). Banking on mobiles: Why, how, for whom? CGAP Focus Note 48, Washington, DC: CGAP.
   Google Scholar
• Mbogo, M. (2010). The impact of mobile payments on the success and growth of micro-business: The case of m-pesa in Kenya. Journal of Language, Technology & Entrepreneurship in Africa, 2(1), 182–203. doi: 10.4314/jolte.v2i1.51998
   Google Scholar
• Mills, J. L. (1999). Remotely retrieving SIM stored data over a connection-less. Communications link. U.S. Patent No. 5,915,225. Washington, DC: U.S. Patent and Trademark Office.
   Google Scholar
• Molony, T. (2007). ‘I don't trust the phone; it always lies’: Trust and information and communication technologies in Tanzanian micro- and small enterprises. Information Technologies & International Development, 3(4), 67–83. doi: 10.1162/itid.2007.3.4.67
   Google Scholar
• Morales-Gomez, D., & Melesse, M. (1998). Utilising information and communication technologies for development: The social dimensions. Information Technology for Development, 8(1), 3–13. doi: 10.1080/02681102.1998.9525287
   Google Scholar
• Morawczynski, O., & Miscione, G. (2008). Examining trust in mobile banking transactions: The case of M-PESA in Kenya. In C. Avgerou, M. L. Smith, & P. van den Besselaar (Eds.), IFIP international federation for information processing, Vol. 282, Social dimensions of information and communication technology policy (pp. 287–298). Boston, MA: Springer.
   Google Scholar
• Morey, N. C., & Luthans, F. (1984). An emic perspective and ethnoscience methods for organizational research. Academy of Management Review, 9(1), 27–36.
   Web of Science ®Google Scholar
• Murray-Prior, R. (1998). Modelling farmer behaviour: A personal construct theory interpretation of hierarchical decision models. Agricultural Systems, 57(4), 541–556. doi: 10.1016/S0308-521X(98)00008-0
   Web of Science ®Google Scholar
• Murray-Prior, R. B., & Wright, V. E. (2001). Influence of strategies and heuristics on farmers’ response to change under uncertainty. Australian Journal of Agricultural and Resource Economics, 45(4), 573–598. doi: 10.1111/1467-8489.00158
   Web of Science ®Google Scholar
• Murtaugh, M., & Gladwin, H. (1980). A hierarchical decision-process model for forecasting automobile type-choice. Transportation Research Part A: General, 14(5), 337–347. doi: 10.1016/0191-2607(80)90053-9
   Google Scholar
• Ng'ang'a, A. M. (2009). Toward a regional ICT hub: Need for cyber laws in Kenya. Information Security Journal: A Global Perspective, 18(1), 47–50.
   Google Scholar
• Ngugi, B., Pelowski, M., & Ogembo, J. G. (2010). M-PESA: A case study of the critical early adopters’ role in the rapid adoption of mobile money banking in Kenya. The Electronic Journal of Information Systems in Developing Countries, 43(3), 1–16.
   Google Scholar
• Orlikowski, W. J. (1992). The duality of technology: Rethinking the concept of technology in organizations. Organization Science, 3(3), 398–427. doi: 10.1287/orsc.3.3.398
   Web of Science ®Google Scholar
• Orlikowski, W. J. (2000). Using technology and constituting structures: A practice lens for studying technology in organizations. Organization Science, 11(4), 404–428. doi: 10.1287/orsc.11.4.404.14600
   Web of Science ®Google Scholar
• Orlikowski, W. J., & Barley, S. R. (2001). Technology and institutions: What can research on information technology and research on organizations learn from each other? MIS Quarterly, 25(2), 145–165. doi: 10.2307/3250927
   Web of Science ®Google Scholar
• Orlikowski, W. J., & Iacono, C. S. (2001). Research commentary: Desperately seeking the “IT” in IT research – a call to theorizing the IT artifact. Information Systems Research, 12(2), 121–134. doi: 10.1287/isre.12.2.121.9700
   Web of Science ®Google Scholar
• Orr, G. (2003). Review – diffusion of innovations, by Everett Rogers (1995). Retrieved August, 21, 2013 from https://teamlead.duke-nus.edu.sg/vapfiles_ocs/2011/edu/Diffusion_of_Innovations_by_Everett_Rogers_1995.pdf.
   Google Scholar
• Pajo, K., Coetzer, A., & Guenole, N. (2010). Formal development opportunities and withdrawal behaviors by employees in small and medium-sized enterprises. Journal of Small Business Management, 48(3), 281–301. doi: 10.1111/j.1540-627X.2010.00295.x
   Web of Science ®Google Scholar
• Patton, M. Q. (2002). Qualitative research and evaluation methods (3rd ed.). Thousand Oaks, CA: Sage Publications.
   Google Scholar
• Peevers, G., Douglas, G., & Jack, M. A. (2008). A usability comparison of three alternative message formats for an SMS banking service. International Journal of Human-Computer Studies, 66(2), 113–123. doi: 10.1016/j.ijhcs.2007.09.005
   Web of Science ®Google Scholar
• Porteous, D. (2007). Just how transformational is m-banking. Report commissioned by FinMark Trust to Bankable Frontier Associates. Retrieved August, 19, 2013 from http://www.finscope.co.za/documents/2007/transformational_mbanking.pdf.
   Google Scholar
• Prakash, A., & De’, R. (2007). Importance of development context in ICT4D projects: A study of computerization of land records in India. Information Technology & People, 20(3), 262–281. doi: 10.1108/09593840710822868
   Google Scholar
• Quinn, N. (1971, November). Simplifying procedures in natural decision-making. Mathematical Social Science Board Seminar in Natural Decision Making Behavior, Palo Alto, CA.
   Google Scholar
• Quinn, N. (1975). Decision models of social structure. American Ethnologist, 2(1), 19–45. doi: 10.1525/ae.1975.2.1.02a00020
   Google Scholar
• Rhine, S. L. W., & Greene, W. H. (2006). The determinants of being unbanked for U.S. immigrants. Journal of Consumer Affairs, 40(1), 21–40. doi: 10.1111/j.1745-6606.2006.00044.x
   Web of Science ®Google Scholar
• Rotimi, E., Awodele, O., & Bamidele, O. (2007). SMS banking services: A 21st century innovation in banking technology. Issues in Informing Science & Information Technology, 4, 227–234.
   Google Scholar
• Rousseau, P. L., & Wachtel, P. (2011). What is happening to the impact of financial deepening on economic growth? Economic Inquiry, 49(1), 276–288. doi: 10.1111/j.1465-7295.2009.00197.x
   Web of Science ®Google Scholar
• Routray, S., Sherry, A. M., & Reddy, B. V. R. (2008). Wireless ATM: A technological framework to m-banking. Journal of Internet Banking & Commerce, 13(1), 1–10.
   Google Scholar
• Ryan, G. W., & Bernard, H. R. (2000). Data management and analysis methods. In N. Denzin & Y. Lincoln (Eds.), Handbook of qualitative research (2nd ed.) (pp. 769–802). Thousand Oaks, CA: Sage Publications.
   Google Scholar
• Ryan, G. W., & Bernard, H. R. (2006). Testing an ethnographic decision tree model on a national sample: Recycling beverage cans. Human Organization, 65(1), 103–114.
   Web of Science ®Google Scholar
• Sahay, S., & Avgerou, C. (2002). Introducing the special issue on information and communication technologies in developing countries. Information Society, 18(2), 73–76. doi: 10.1080/01972240290075002
   Web of Science ®Google Scholar
• Schank, R., & Abelson, R. (1977). Scripts, plans, goals, and understanding: An inquiry into human knowledge structures. New York, NY: Wiley & Sons.
   Google Scholar
• Schoemaker, P. J. (1982). The expected utility model: Its variants, purposes, evidence and limitations. Journal of Economic Literature, 20(2), 529–563.
   Web of Science ®Google Scholar
• Schoombee, A. (2004). South African banks and the unbanked: Progress and prospects. South African Journal of Economics, 72(3), 598–620.
   Web of Science ®Google Scholar
• Shaffer, S. (2004). Comment on “what drives bank competition? Some international evidence” by Stijn Claessens and Luc Laeven. Journal of Money, Credit & Banking, 36(3), 585–592. doi: 10.1353/mcb.2004.0050
   Web of Science ®Google Scholar
• Simon, H. A. (1955). A behavioral model of rational choice. The Quarterly Journal of Economics, 69(1), 99–118. doi: 10.2307/1884852
   Web of Science ®Google Scholar
• Spradley, J. P. (1979). The ethnographic interview. Orlando, FL: Harcourt Brace Jovanovich College Publishers.
   Google Scholar
• Spradley, J. P. (1980). Participant observation. New York, NY: Holt, Rinehart and Winston.
   Google Scholar
• Sulaiman, A., Jaafar, N. I., & Mohezar, S. (2007). An overview of mobile banking adoption among the urban community. International Journal of Mobile Communications, 5(2), 157–168. doi: 10.1504/IJMC.2007.011814
   Google Scholar
• Townsend, R. M., & Ueda, K. (2006). Financial deepening, inequality, and growth: A model-based quantitative evaluation. The Review of Economic Studies, 73(1), 251–293. doi: 10.1111/j.1467-937X.2006.00376.x
   Web of Science ®Google Scholar
• Tversky, A. (1972). Elimination by aspects: A theory of choice. Psychological Review, 79(4), 281–299. doi: 10.1037/h0032955
   Web of Science ®Google Scholar
• Valverde, S. C., Paso, R. L. D., & Fernández, F. R. (2007). Financial innovations in banking: Impact on regional growth. Regional Studies, 41(3), 311–326. doi: 10.1080/00343400600928350
   Web of Science ®Google Scholar
• Walsham, G., & Sahay, S. (2006). Research on information systems in developing countries: Current landscape and future prospects. Information Technology for Development, 12(1), 7–24. doi: 10.1002/itdj.20020
   Google Scholar
• Warner, R. (1999). The emics and etics of quality of life assessment. Social Psychiatry and Psychiatric Epidemiology, 34(3), 117–121. doi: 10.1007/s001270050121
   PubMed Web of Science ®Google Scholar
• Weber, R. H., & Darbellay, A. (2010). Legal issues in mobile banking. Journal of Banking Regulation, 11(2), 129–145. doi: 10.1057/jbr.2009.16
   Google Scholar
• Whitehead, T. (2004). What is ethnography? Methodological, ontological, and epistemological attributes. Ethnographically Informed Community and Cultural Assessment Research Systems (EICCARS). Working Paper Series. College Park, MD: University of Maryland.
   Google Scholar
• Whitehead, T. L. (2005). Basic classical ethnographic research methods. Ethnographically Informed Community and Cultural Assessment Research Systems (EICCARS). Working Paper Series. College Park, MD: University of Maryland.
   Google Scholar
• Yousafzai, S. Y., Foxall, G. R., & Pallister, J. G. (2010). Explaining internet banking behavior: Theory of reasoned action, theory of planned behavior, or technology acceptance model? Journal of Applied Social Psychology, 40(5), 1172–1202. doi: 10.1111/j.1559-1816.2010.00615.x
   Web of Science ®Google Scholar