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Riffai, M. M. M. A., Grant, K., & Edgar, D. (2012). Big TAM in Oman: Exploring the Promise of On-Line Banking, Its Adoption by Customers and the Challenges of Banking in Oman. International Journal of Information Management, 32, 239-250.
https://doi.org/10.1016/j.ijinfomgt.2011.11.007

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