KHADKA, R.; KOHSUWAN, P. Understanding Consumers’ Mobile Banking Adoption in Germany: An Integrated Technology Readiness and Acceptance Model (TRAM) Perspective. Human Behavior, Development and Society, [S. l.], v. 18, p. 56–67, 2019. Disponível em: https://so01.tci-thaijo.org/index.php/hbds/article/view/189356. Acesso em: 21 sep. 2026.