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T. Kuisma, T. Laukkanen and M. Hiltunen, “Mapping the Reasons for Resistance to Internet Banking: A Means-End Approach,” International Journal of Information Management, Vol. 27, No. 2, 2007, pp. 75-85.
http://dx.doi.org/10.1016/j.ijinfomgt.2006.08.006
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