Simiyu, S. C., and P. Kohsuwan. “Understanding Consumers’ Mobile Banking Adoption through the Integrated Technology Readiness and Acceptance Model (TRAM) Perspective: A Comparative Investigation”. Human Behavior, Development and Society, vol. 20, no. 4, Oct. 2019, pp. 29-40, https://so01.tci-thaijo.org/index.php/hbds/article/view/179566.