1. Abor, J. and Quartey, P. (2010), “Issues in SME development in Ghana and South Africa”, International Research Journal of Finance and Economics, Vol. 39, pp. 218‐28.
2. Achimugu, P., Oluwagbemi, O., Oluwaranti, A. and Afolabi, B. (2009), “Adoption of information and communications technologies in developing countries: an impact analysis”, Journal of Information Technology Impact, Vol. 9 No. 1, pp. 37‐46.
3. Adeosun, O.O., Adeosun, T.H. and Adetunde, I.A. (2009), “Strategic application of information and communication technology for effective service delivery in banking industry”, Journal of Social Sciences, Vol. 5 No. 1, pp. 47‐51.
4. Aina, O.C. (2007), “The role of SMEs in poverty alleviation in Nigeria”, available at: www.journalanduse.org/Assets/Vol3%20Papers/JOURNAL%2010.pdf (accessed 13 December 2009).
5. Akpan‐Obong, P. (2007), “Information and communication technologies in development: contextuality and promise”, Proceedings of the 9th International Conference on Social Implications of Computers in Developing Countries Sao Paulo, Brazil.