1. A Conceptual and Operational Definition of Personal Innovativeness in the Domain of Information Technology;Agarwal;Information Systems Research,1998
2. The Theory of Planned Behavior;Ajzen;Organizational Behavior and Human Decision Processes,1991
3. Factors Influencing the Use of Mobile Payments in Tanzania: Insights from Zantel's Z-pesa Services;Anthony;Journal of Language, Technology & Entrepreneurship in Africa,2014
4. Factors Influencing Acceptance of Mobile Money Services amongst Students of Higher Learning Institutions in Tanzania with Special Reference to Ruaha University College;Chachage;International Journal of Management,2013
5. Exploring Factors Affecting Mobile Money Adoption in Tanzania;Chogo;International Journal of Computing and ICT Research,2014