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Zolait, Ali Hussein Saleh and Mattila, Minna and Sulaiman, Ainin (2009) The effect of User's InformationalāBased Readiness on innovation acceptance. International Journal of Bank Marketing, 27 (1). pp. 76-100. ISSN 0265-2323, DOI https://doi.org/10.1108/02652320910928236.
Zolait, Ali Hussein Saleh and Sulaiman, Ainin (2009) The influence of communication channels on internet banking adoption. Asian Journal of Business and Accounting, 2 (1&2). pp. 115-134. ISSN 1985-4064,