1. AC Nielsen, (2006). Online banking continues despite security concerns. ACNielsen, 2005, Retrieved from World Wide Web on 7 February 2006 at http://acnielsen.com.au/news.asp?newsID=301.
2. Agarwal, R., Sambamurthy, V., and Stair, R. M. (2000). Research Report: The Evolving Relationship Between General and Specific Computer Self- Efficacy-An Empirical Assessment. Information Systems Research, VOL.11, NO.4, 418-430.
3. Al-Alawi, A. I. (2005). Adoption and Awareness of Online Banking Issue among Mature Users. Asian Journal of Information Technology 4(9): 856-860, 2005.
4. Al-Ashban, A. A., and Burney, M. A. (2001). Customer adoption of tele-banking technology: the case of Saudi Arabia. The international Journal of Bank of Marketing, 19(4/5), pp.191-200.
5. Al-Sukkar, A., and Hasan, H. (2004). Internet banking in the Middle East: A Jordanian study. Proceeding of CISTM conference. Transforming business performance through knowledge management. Alexandria, Egypt, 2004.
6. Al-Ghamdi, A. (2009). Investigating Factors Affecting Customers of Using Internet Banking: A comparison study between Saudi Arabia and the UK. Brunel Business School, Doctoral Symposium, May 23 & 24, 2009.
7. Al-Somali, S. A., Gholami, R., and Clegg, B. (2008). Internet Banking Acceptance in the Context of Developing Countries: An Extension of the Technology Acceptance Model. Operations and Information Management Groups, Aston Business School, Bormingham B47ET, UK
8. Edwin Agwu (2013): From Reluctance to Resistance – Study of Internet banking services Adoption in the United Kindom: Journal of Internet Banking and Commerce – Vol. 18, no. 3.
9. Dr Preeti Singh (2013): An Exploratory Study on Internet Banking Usage in Semi-Urban Areas in India: International Journal of Scientific and Research Publications, Volume 3, Issue 8, ISSN 2250-3153.
10. Bagozzi, R.P. & Lee, K (1999): Consumer resistance to, and acceptance of, innovations, Advances in Consumer Research, Vol. 26, No. 1, 218-225.