@incollection{,
	
					
					
					D016158E80B4D3FC7B11A951D157A8DB
				,
	author={{Gaelle TatianaTimba} and {VotsomaDjekna} and {Emmanuel MeidoSime} and {University of Douala}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}2035769
}

@book{b0,
	
	
		,
	author={{
			DAbdou
		}}
		,
	title={{Les facteurs individuels et organisationnels affectant l'acceptation du e-learning :étude empirique au sein d'une structure bancaire}}
				
			,
	year={2015. 2017}
		
		
			Université de Pau et des Pays de l'Addour
		
	
	,
	note={Thèse. ART}
	,
	note={Observatoire Annuel du marché des communications électroniques}

}

@incollection{b1,
	
	
		,
	title={{Mobile banking adoption of the youth market: Perceptions and intentions}}
		,
	author={{
			UAkturan
		} and {
			NEt Tezcan
		}}
		
	
	
		,
	journal={{Marketing Intelligence & Planning}}
		
			30
			
			,
	year={2012}
		
	

}

@incollection{b2,
	
	
		,
	title={{Influence of demographic factors on the adoption level of mobile banking applications in Jordan}}
		,
	author={{
			MAlafeef
		} and {
			DSingh
		} and {
			KEt Ahmad
		}}
		
		
	
	
		,
	journal={{Research Journal of Applied Sciences}}
		
			6
			
			,
	year={2011}
		
	

}

@incollection{b3,
	
	
		,
	title={{The adoption of mobile banking in Malaysia: The case of Bank Islam Malaysia erhad}}
		,
	author={{
			HAmin
		} and {
			MHamid
		} and {
			SLada
		} and {
			ZEt Anis
		}}
		
		
		
	
	
		,
	journal={{International Journal of Business and Society}}
		
			9
			2
			
			,
	year={2008}
		
	

}

@incollection{b4,
	
	
		,
	title={{Open innovation: quels enjeux pour le secteur bancaire?}}
		,
	author={{
			MAsli
		}}
	
	
		,
	journal={{Innovations}}
		
			39
			3
			
			,
	year={2012}
		
	

}

@book{b5,
	
	
		,
	title={{L'Innovation Financière et Bancaire et la Problématique du Financement de la PME en Tunisie}}
		,
	author={{
			AAti
		} and {
			AEt Abdellatif
		}}
		
		
			,
	year={2003}
			20
			
		
	
	,
	note={Revue Tunisienne d'Economie et de Gestion}

}

@incollection{b6,
	
	
		,
	title={{Mobile banking usage, quality of growth, inequality and poverty in developing countries}}
		,
	author={{
			SAsongu
		} and {
			NEt Odhiambo
		}}
		
	
	
		,
	journal={{Information Development}}
		
			35
			2
			
			,
	year={2019}
		
	

}

@incollection{b7,
	
	
		,
	title={{Mobile banking adoption in Nigeria}}
		,
	author={{
			FBankole
		} and {
			OBankole
		} and {
			IEt Brown
		}}
		
		
	
	
		,
	booktitle={{The Electronic Journal on Information Systems in Developing Countries}}
				
			,
	year={2011}
			47
			
		
	

}

@incollection{b8,
	
	
		,
	title={{Cell phone banking: predictors of adoption in South Africa-an exploratory study}}
		,
	author={{
			IBrown
		} and {
			CZaheeda
		} and {
			DDouglas
		} and {
			SEt Stroebel
		}}
		
		
		
	
	
		,
	journal={{International Journal of Information Management}}
		
			23
			
			,
	year={2003. 2003}
		
	

}

@incollection{b9,
	
	
		,
	title={{An adoption model for mobile banking in Ghana'}}
		,
	author={{
			MCrabbe
		} and {
			CStanding
		} and {
			SStanding
		} and {
			HEt Karjaluoto
		}}
		
		
		
	
	
		,
	journal={{International Journal of Mobile Communications}}
		
			7
			5
			
			,
	year={2009}
		
	

}

@incollection{b10,
	
	
		,
	title={{Perceived Use fulness, Perceived Ease of Use, and User Acceptance of Information Technology}}
		,
	author={{
			FDavis
		}}
	
	
		,
	journal={{MIS Quarterly}}
		
			13
			3
			
			,
	year={1989}
		
		
			Management Information Systems Research Center, University of Minnesota
		
	

}

@book{b11,
	
	
		,
	title={{Les Innovations Financières aux Etats-Unis', Observations et Diagnostics Economiques : revue de l'OFCE}}
		
			,
	year={1983}
			3
			
		
		
			De Boissieu C
		
	

}

@incollection{b12,
	
	
		,
	title={{Banking and Capital Markets Outlook}}
		,
	author={{
			Deloitte
		}}
	
	
		,
	journal={{Deliotte center for Financial Services}}
		
			,
	year={2019}
		
	

}

@incollection{b13,
	
	
		,
	title={{Banking in Africa: Delivering on Financial inclusion, Supporting financial Frame W}}
	
	
		,
	journal={{European Investment Bank}}
		
			,
	year={2018. 2009}
			,
	publisher={Oxford University Press}
		
	
	,
	note={Technological change, financial innovation, and diffusion in Banking}

}

@incollection{b14,
	
	
		,
	title={{Trust and TAM in online shopping: an integrated model}}
		,
	author={{
			DGefen
		} and {
			EKarahanna
		} and {
			DStraub
		}}
		
		
	
	
		,
	journal={{MIS Quarterly}}
		
			27
			1
			
			,
	year={2003}
		
	

}

@incollection{b15,
	
	
		,
	title={{Determinants of behavioral intention to mobile banking}}
		,
	author={{
			JGu
		} and {
			SLee
		} and {
			YSuh
		}}
		
		
	
	
		,
	journal={{Expert Systems with Applications}}
		
			36
			9
			
			,
	year={2009}
		
	

}

@book{b16,
	
	
		,
	title={{Mobile-banking adoption by Iranian bank clients}}
		,
	author={{
			PHanafizadeh
		} and {
			MBehboudi
		} and {
			AKoshksaray
		} and {
			JShirkhani
		} and {
			MarziyehEt
		}}
		
		
		
		
		
			,
	year={2012}
			,
	publisher={Telematics and Informatics}
		
	

}

@book{b17,
	
	
		,
	title={{Applied Logistic Regression}}
		,
	author={{
			DWHosmer
		} and {
			SLemeshow
		}}
		
		
			,
	year={1989}
			,
	publisher={John Wiley & Sons, Inc}
			,
	address={New York}
		
	

}

@book{b18,
	
	
		,
	title={{Facteurs d'acceptation et d'utilisation des technologies d'information: Une étude empirique sur l'usage du logiciel « Rational Suite » par les employés d'une grande compagnie de services informatiques, Mémoire, Université du Québec à Montréal}}
		,
	author={{
			GIbanescu
		}}
		
			,
	year={2011. 2018}
			,
	publisher={International Monetary Fund}
		
	
	,
	note={IMF Country Report Cameroon, Reoprt No. 18/256, IMF}

}

@incollection{b19,
	
	
	
	
		,
	booktitle={{Mesuring the Information society report}}
				
			,
	year={2008}
		
	
	,
	note={ITU publications}

}

@incollection{b20,
	
	
		,
	title={{An Empirical Investigation on Consumer Acceptance of Mobile Banking Services}}
		,
	author={{
			BJeong
		} and {
			TYoon
		}}
		
	
	
		,
	journal={{Business and Management Research}}
		
			2
			1
			
			,
	year={2013}
		
	

}

@incollection{b21,
	
	
		,
	title={{Consumers' attitudes towards online and mobile banking in China}}
		,
	author={{
			SLaforet
		} and {
			XLi
		}}
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			23
			5
			
		
	

}

@incollection{b22,
	
	
		,
	title={{Consumer value creation in mobile banking services'}}
		,
	author={{
			TLaukkanen
		} and {
			JLauronen
		}}
		
	
	
		,
	journal={{International Journal of Mobile Communications}}
		
			3
			4
			
		
	

}

@incollection{b23,
	
	
		,
	title={{Under standing factors affecting trust in and satisfaction with mobile banking in Korea: A modified De Lone and Mc Lean's model perspective}}
		,
	author={{
			KLee
		} and {
			NChung
		}}
		
	
	
		,
	journal={{Interacting with Computers}}
		
			21
			5
			
			,
	year={2009}
		
	

}

@incollection{b24,
	
	
		,
	title={{Challenges of the e-banking revolution: finance and development}}
		,
	author={{
			SNsouli
		} and {
			ASchaechter
		}}
		
	
	
		,
	journal={{Int. Monet. Fund}}
		
			39
			
			,
	year={2002}
		
	

}

@incollection{b25,
	
	
		,
	title={{New determinants of ease of use and perceived usefulness for mobile banking adoption}}
		,
	author={{
			SRaza
		} and {
			AUmer
		} and {
			NShah
		}}
		
		
	
	
		,
	journal={{International Journal of Electronic Customer Relationship Management}}
		
			,
	year={2017}
		
	

}

@incollection{b26,
	
	
		,
	title={{The moderating effect of gender in the adoption of mobile banking}}
		,
	author={{
			RRiquelme
		} and {
			Rios
		}}
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			28
			5
			
			,
	year={2010}
		
	

}

@incollection{b27,
	
	
		,
	title={{Mobile banking in Germany: a strategic perspective}}
		,
	author={{
			EScornavacca
		} and {
			HHoehle
		}}
		
	
	
		,
	journal={{Int. J. Electronic Finance}}
		
			1
			3
			
			,
	year={2007}
		
	

}

@incollection{b28,
	
	
		,
	title={{Assessing user experiences and usage intentions of m-banking service'}}
		,
	author={{
			KShih
		} and {
			HHung
		} and {
			BEt Lin
		}}
		
		
	
	
		,
	journal={{International Journal of Mobile Communications}}
		
			8
			3
			
			,
	year={2010}
		
	

}

@incollection{b29,
	
	
		,
	title={{M-banking in metropolitan Bangkok and a comparison with other countries}}
		,
	author={{
			JSripalawat
		} and {
			MThongmak
		} and {
			AEt Ngramyarn
		}}
		
		
	
	
		,
	journal={{The Journal of Computer Information Systems}}
		
			51
			3
			
			,
	year={2011}
		
	

}

@incollection{b30,
	
	
		,
	title={{Mobile banking and consumer behavior: New insights into the diffusion pattern}}
		,
	author={{
			MSuoranta
		} and {
			MEt Mattila
		}}
		
	
	
		,
	journal={{Journal of Financial Services Marketing}}
		
			8
			4
			
			,
	year={2004}
		
	

}

@book{b31,
	
	
		,
	author={{
			RTiwari
		} and {
			RBuse
		} and {
			CEt Herstatt
		}}
		
		
		,
	title={{Mobile Banking as Business Strategy: Impact of Mobile Technologies on Customer Behaviour and its Implications for Banks, Portland International Conference on Management of Engineering and Technology}}
				
			,
	year={2006}
		
	
	,
	note={Working Paper No. 37}

}

@incollection{b32,
	
	
		,
	title={{User Acceptance of Information Technology: Toward a Unified View}}
		,
	author={{
			VVenkatesh
		} and {
			MMorris
		} and {
			GDavis
		} and {
			FEt Davis
		}}
		
		
		
	
	
		,
	journal={{MIS Quarterly}}
		
			27
			3
			
			,
	year={2003}
		
	

}

@incollection{b33,
	
	
		,
	title={{The Future of Financial Services}}
	
	
		,
	journal={{Final report. World economic forum}}
		
			,
	year={2015}
		
	
	,
	note={World Economic Forum}

}