1. The Moderating Effect of Technology Awareness on the Relationship between UTAUT Construct and Behavioral Intention to Use Technology: A Conceptual Paper;Abubakar;Australian Journal of Business and Management Research,2013
2. Adoption of Point of Sale Terminal in Nigeria: Assessment of Consumers’ Level of Satisfaction;Adeoti;Research Journal of Finance and Accounting,2012
3. Adesina, A.A., & Ayo, C.K. (2010). An Empirical Investigation of the Level of Users’ Acceptance of E-Payment System. Journal of Internet Banking and Commerce, 1 (15).
4. Central Bank of Nigeria (2012). “Towards a Cashless Nigeria: Tools and Strategies.” CBN Presentation at the 24thNational Conference of Nigeria Computer Society Held at Uyo, Nigeria. From Wednesday 25th-Friday 27th July. Retrieved from http://www.NCS.org/presentations/.
5. Chhikara, K.S., & Kodan, A.S. (2011). Financial inclusion, development and its determinants: An evidence of Indian state, Asian Economic Review, April 2011, Indian Institute of Economics, Hyderabad.