HALKANO, A. I.; JAMES, N. M.; KATE, L. Culture, Adoption and Usage of Mobile Financial Services. The International Journal of Business & Management, [S. l.], v. 5, n. 4, 2017. Disponível em: https://internationaljournalcorner.com/index.php/theijbm/article/view/123515. Acesso em: 22 jul. 2024.