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ajis02-1923	doi.org	https://doi.org/10.1016/j.technovation.2008.07.004
ajis02-1923	doi.org	https://doi.org/10.1016/j.giq.2013.03.001
ajis02-1923	doi.org	https://doi.org/10.1002/mar.10063
ajis02-1923	doi.org	https://doi.org/10.3401/poms.1070.0006
ajis02-1923	doi.org	https://doi.org/10.1037/00223514.51.6.1173
ajis02-1923	doi.org	https://doi.org/10.1108/el-01-2017-0019
ajis02-1923	doi.org	https://doi.org/10.1108/02652320510584395
ajis02-1923	doi.org	https://doi.org/10.1108/02652329810245984
ajis02-1923	doi.org	https://doi.org/10.1086/208564
ajis02-1923	doi.org	https://doi.org/10.1108/08876040210443382
ajis02-1923	doi.org	https://doi.org/10.1080/14783360902781923
ajis02-1923	doi.org	https://doi.org/10.1016/j.ijhm.2011.05.003
ajis02-1923	doi.org	https://doi.org/10.3923/ibm.2012.168.175
ajis02-1923	doi.org	https://doi.org/10.1016/s0022-4359(00)00028-2
ajis02-1923	doi.org	https://doi.org/10.1525/sp.2007.54.1.23
ajis02-1923	imagesrc.bcg.com	http://imagesrc.bcg.com/images/bcg-facebook-encashing-on-digital-jun-2017_tcm21-163357.pdf
ajis02-1923	doi.org	https://doi.org/978-160918-230-4
ajis02-1923	doi.org	https://doi.org/10.1145/781031.781034
ajis02-1923	doi.org	https://doi.org/10.1108/02652321211236923
ajis02-1923	doi.org	https://doi.org/10.1016/j.ijhm.2013.07.008
ajis02-1923	doi.org	https://doi.org/10.1108/14637150710834550
ajis02-1923	doi.org	https://doi.org/10.1108/imds-10-2013-0432
ajis02-1923	doi.org	https://doi.org/10.1108/jsm-12-2014-0410
ajis02-1923	doi.org	https://doi.org/10.1108/08876040010340937
ajis02-1923	doi.org	https://doi.org/10.1037/0033-2909.118.1.155
ajis02-1923	doi.org	https://doi.org/10.1016/j.giq.2011.08.011
ajis02-1923	www.businessstandard.com	https://www.businessstandard.com/article/finance/80-of-indians-now-have-a-bank-account-so-why-isfinancial-inclusion-low-118051700150_1.html
ajis02-1923	doi.org	https://doi.org/10.1108/el-01-2017-0019
ajis02-1923	doi.org	https://doi.org/10.1016/s00224359(01)00041-0
ajis02-1923	doi.org	https://doi.org/10.1016/j.jbusres.2016.04.027
ajis02-1923	doi.org	https://doi.org/10.1016/j.elerap.2008.11.006
ajis02-1923	doi.org	https://doi.org/10.1016/j.chb.2014.01.034
ajis02-1923	doi.org	https://doi.org/10.1007/bf02894350
ajis02-1923	doi.org	https://doi.org/10.1002/mar.20030
ajis02-1923	doi.org	https://doi.org/10.2307/1251446
ajis02-1923	doi.org	http://doi.org/10.3127/ajis.v24i0.1923
ajis02-1923	creativecommons.org	http://creativecommons.org/licenses/by-nc/3.0/au