Dandena, Serkalem, Mekuanint Abera Timbula, i Tadele Mengesha. 2019. „FACTORS AFFECTING THE ADOPTION OF MOBILE BANKING: THE CASE OF UNITED BANK ADDIS ABABA CITY CUSTOMERS“. Journal of Process Management and New Technologies 8 (1). https://doi.org/10.5937/jouproman8-24520.