Ajzen, I. & Fishbein, M. (1980). Understanding Attitudes and Predicting Social Behavior. Englewood Cliffs, NJ: Prentice-Hall.
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50, 179-211.
Bruno, M. A. (2003). BofA’s Climb to the Top of the Online World. US Banker, 113(6), 5-24.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use and User Acceptance of Computer Technology. MIS Quarterly, 13(3), 319-37.
Davis, F. D., Bagozzi, R. P. & Warshaw, P. R. (1992). Extrinsic and Intrinsic Motivation to Use Computers in the Workplace. Journal of Applied Social Psychology, 22, 1111-1132.
Karjaluoto, H. (2002). Selection Criteria for a Mode of Bill Payment: Empirical Investigation among Finnish Bank Customers. International Journal of Retail & Distribution Management, 30(6), 9-331.
Klopping, M., & Mckinney, E. (2004). Extending The Technology Acceptance Model and the Task-Technology Fit Model to consumer E-commerce. Information Technology, Learning and Performance Journal, 22(1), 37.
Mathieson, K., Peacock, E., & Chin, W. W. (2001). Extending the Technology Acceptance Model: the Influence of Perceived User Resources. The Data Bases for Advances in Information Systems, 32(3), 86-112.
Miller, K. (2005). Communications theories: perspectives, processes, and contexts. New York: McGraw-Hill.
Mols, N. P. (1999). The Internet and Banks Strategic Distribution Channel Decision. International Journal of Bank Marketing, 17(6), 295-300.
Moon, J. W. & Kim, Y. G. (2001). Extending the TAM for a World-Wide-Web Context. Information & Management, 38(4), 34-217.
Pikkarainen, T., Pikkarainen, K., Karjaluoto, H. & Pahnila, S. (2004). Consumer Acceptance of Online Banking: an Extension of the Technology Acceptance Model. Internet Research, 14(3), 35-224.
Polasik, M. (2009). Empirical Analysis of Internet Banking Adoption in Poland. International Journal of bank marketing, 27(1), 32-52.
Rogers, E. M. (1962). Diffusion of Innovations. The Free Press, New York, NY.
Rogers, E. M. (1983). Diffusion of Innovations. The Free Press, New York, Retrieved from http://www.wikipedia.com.
Tan, M. & Teo, T. S. H. (2000). Factors Influencing the Adoption of Internet Banking. Journal of the Association for Information Systems, Retrieved from http://www.istheory.com.
Venkatesh, V. & Morris, M. G. (2000. Why don’t Men ever Stop to Ask for Directions? Gender, Social Influence and Their Role in Technology Acceptance and Usage Behavior. MIS Quarterly, 27(3), 78-425.
Venkatesh, V., Morris, M. G., Davis, G. B. & Davis, F. D. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 78-425.
Wang, Y. S., Wang, Y. M., Lin, H. H., & Tang, T. I. (2003). Determinants of User Acceptance of Internet Banking: an Empirical Study. International Journal of Service Industry Management, 14(5), 19-501.
Wu, J., Wang, S., & Lin, L. (2007). Mobile Computing Acceptance Factors in the Healthcare Industry: A Structural Eguation Model. International Journal of Medicine Informatics, 76, 67-77.
Yiu, C. S., Grant, G., & Edgar, D. (2007). Factors Affecting the Adoption of Internet Banking in Hong Kong-Implications for Banking Sector. International Journal of Information Management,Retrieved from http://www.12manage.com
)