Khadka R, Kohsuwan P. Understanding Consumers’ Mobile Banking Adoption in Germany: An Integrated Technology Readiness and Acceptance Model (TRAM) Perspective. Hum. Behav. Dev. Soc. [internet]. 2019 May 15 [cited 2026 Sep. 21];18:56-67. available from: https://so01.tci-thaijo.org/index.php/hbds/article/view/189356