Simiyu, Sharon C., and Phanasan Kohsuwan. “Understanding Consumers’ Mobile Banking Adoption through the Integrated Technology Readiness and Acceptance Model (TRAM) Perspective: A Comparative Investigation”. Human Behavior, Development and Society 20, no. 4 (October 17, 2019): 29–40. accessed September 22, 2026. https://so01.tci-thaijo.org/index.php/hbds/article/view/179566.