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asfbr-2216	doi.org	https://doi.org/10.1504/ijebr.2018.095346
asfbr-2216	doi.org	https://doi.org/10.1057/s41264-022-00160-1
asfbr-2216	doi.org	https://doi.org/10.1177/002224299405800304
asfbr-2216	doi.org	https://doi.org/10.1016/j.jretconser.2009.02.002
asfbr-2216	doi.org	https://doi.org/10.1108/ijbm-02-2018-0021
asfbr-2216	doi.org	https://doi.org/10.1093/rfs/hhr127
asfbr-2216	www.jstor.org	http://www.jstor.org/stable/40398532
asfbr-2216	doi.org	https://doi.org/10.1016/j.jretconser.2016.10.007
asfbr-2216	doi.org	https://doi.org/10.1016/j.jbankfin.2014.03.013
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asfbr-2216	www.atlantafed.org	https://www.atlantafed.org/research/publications/wp
asfbr-2216	doi.org	https://doi.org/10.13106/jafeb.2021.vol8.no2.0497
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asfbr-2216	doi.org	https://doi.org/10.1111/j.1755-053x.2012.01185.x
asfbr-2216	doi.org	https://doi.org/10.1016/j.jebo.2016.08.016
asfbr-2216	doi.org	https://doi.org/10.1509/jmkr.42.2.233.62288
asfbr-2216	doi.org	https://doi.org/10.1017/s147474721100045x
asfbr-2216	doi.org	https://doi.org/10.33736/ijbs.3230.2020
asfbr-2216	doi.org	https://doi.org/10.1016/j.jbusres.2014.02.022
asfbr-2216	doi.org	https://doi.org/10.3846/jbem.2022.16442
asfbr-2216	doi.org	https://doi.org/10.3386/w17929
asfbr-2216	doi.org	https://doi.org/10.1007/bf03396802
asfbr-2216	doi.org	https://doi.org/10.1287/mnsc.1050.0376
asfbr-2216	www.researchgate.net	https://www.researchgate.net/publication/318827962
asfbr-2216	www.icommercecentral.com	https://www.icommercecentral.com/archiveinternet-banking-and-commerce.php
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asfbr-2216	doi.org	https://doi.org/10.3390/su11041113
asfbr-2216	doi.org	https://doi.org/10.1108/ijbm-03-2015-0030
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asfbr-2216	doi.org	https://doi.org/10.12988/ref.2018.8111
asfbr-2216	doi.org	https://doi.org/10.1108/ijbm-10-2012-0101
asfbr-2216	doi.org	https://doi.org/10.1108/ebr-102019-0270
asfbr-2216	doi.org	https://doi.org/10.34104/cjbis.020.01410147
asfbr-2216	doi.org	https://doi.org/10.1016/j.jbusres.2014.02.022
asfbr-2216	doi.org	https://doi.org/10.1177/109467050133004
asfbr-2216	doi.org	https://doi.org/10.1016/j.joep.2011.02.004
asfbr-2216	doi.org	https://doi.org/10.30924/mjcmi.27.1.12
asfbr-2216	doi.org	https://doi.org/10.21098/jimf.v6i1.1057
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