Consumer Research, 1, June, .23-29.
Peter, J.P. & Olson, C. J. (1990). Consumer Behavior and Marketing Strategy, 2nd ed. Chicago: Irwin.
Rogers, E.M. (1995). Diffusion of Innovations, 4th ed., NY: The Free Press.
Sayawardhena, C. & Paul, F. (2000). “Changes in the Banking Sector - the Case of Internet Banking in UK.” Internet Research: Electronic Networking Applica-tions and Policy, 10(1), 19-30.
Schiffman, L.G. & Kanuk, L. L. (1994). Consumer Behavior, 7th ed., NY: Prentice Hall.
Shelth, J. N., Mittal, Banwari and Newman, Bruce I. (1999). Customer Behavior: Consumer Behavior and Beyond. Fort Worth: The Dryden Press.
Taylor, S. & Todd, P. (1995). “Decomposition and Crossover Effects in the Theory of Planned Behavior: A Study of Consumer Adoption Intentions”. International Journal of Research in Marketing, 12: 137-155.
Thong, J.Y.L. (1999). “An Integrated Model of Information Systems Adoption in Small Business.” Journal of Management Information Systems, 15, 187-214.