SIMIYU, S. C.; KOHSUWAN, P. Understanding Consumers’ Mobile Banking Adoption through the Integrated Technology Readiness and Acceptance Model (TRAM) Perspective: A Comparative Investigation. Human Behavior, Development and Society, [S. l.], v. 20, n. 4, p. 29–40, 2019. Disponível em: https://so01.tci-thaijo.org/index.php/hbds/article/view/179566. Acesso em: 21 sep. 2026.