Bermeo Giraldo, Maria Camila, Martha L. Benjumea-Arias, Alejandro Valencia-Arias, and Iván A. Montoya-Restrepo. “Factors Determining the Use and Acceptance of Mobile Banking in Colombia”. Journal of Telecommunications and the Digital Economy 9, no. 4 (December 5, 2021): 44–74. Accessed January 6, 2025. https://mail.jtde.telsoc.org/index.php/jtde/article/view/391.