. Aboelmaged, M., & Gebba, T. R. (2013). Mobile banking adoption: An examination of technology acceptance model and theory of planned behavior. International Journal of Business Research and Development, 2(1), 35-50. https://doi.org/10.1007/ 978-3- 531- 92534-9_12.
. Agwu, E. M., & Carter, A. L. (2014). Mobile phone banking in Nigeria: Benefits, problems, and prospects. International Journal of Business and Commerce, 3(6), 50-70.
. Ajayi, I. E., & Enitilo, O. (2016). Impact of Electronic Banking on bank performance in Ekiti State, Nigeria. International Journal of Multidisciplinary and Current Research,4, 826-835.
. Ayuba, B., & Aliyu, I. (2014). Evaluation of the impact of internet marketing on banking services in Nigeria. British Journal of Marketing Studies, 3 (1), 15-29. https://doi.org/10.1007/s13398-014-0173-7.2
. Balogun, O. J., Ajiboye, F. A., & Dunsin, A. T. (2013). An investigative study on factors influencing the customer satisfaction with e-banking in Nigeria. International Journal of Academic Research in Economics and Management Sciences, 2(6), 64-73. https://doi.org/10.6007/IJAREMS/v2- i6/442
. Bamoriya, P. S., & Singh, P. (2011). Issues & challenges in mobile banking in India: A customers' perspective. Research Journal of finance and accounting, 2(2), 112- 120.
. Bhatt, A., & Bhatt, S. (2016). Factors affecting customers adoption of mobile banking services. The Journal of Internet Banking and Commerce, 21(1), 1-23.
. Chikwendu, U. D. (2013). The analysis of consumer attitudes towards online and mobile banking in Nigeria (Doctoral Dissertation, Eastern Mediterranean University (EMU)-Doğu Akdeniz Üniversitesi (DaÜ)).
. Hassan, S. U., Mamman, A., & Farouk, M. A. (2013). Electronic banking products and performance of Nigerian deposit money banks. American Journal of Computer Technology and Application, 1(10), 138-145.
. Kama, U., & Adigun, M. (2013). Financial inclusion in Nigeria: Issues and challenges. Central Bank of Nigeria Occasional Paper, 43, 1-49.
. Mago, S., & Chitokwindo, S. (2014). The impact of mobile banking on financial inclusion in Zimbabwe: A case for Masvingo Province. Mediterranean Journal of Social Sciences, 5(9), 221-230. https://doi.org/10.5901/ mjss.2014.v5n9p221
. Maradung, P. (2013). Factors affecting the adoption of mobile money services in the banking and financial industries of Botswana (Dissertation), North West University.
. Okoro, E. G., & Kigho, K. E. (2013). The problems and prospects of E-transaction: The Nigerian perspective. Journal of Research in International Business and Management, 3(1), 10-16.
. Shaikh, A. A., & Karjaluoto, H. (2015). Mobile banking adoption: A literature review. Telematics and Informatics, 32(1), 129-142.
. Yu, S. (2009). Factors influencing the use of Mobile Banking: The case of SMS-based Mobile Banking (Doctoral dissertation, Auckland University of Technology).
. Thyagarajan, D. G. (2015). Mobile Banking – a Review. International Journal of Management and Social Science Research Review, 1(14), 241-246,