MLA
Cruz, Pedro, et al. "Exploring the Factors Behind the Resistance to Mobile Banking in Portugal." IJESMA vol.1, no.4 2009: pp.16-35. http://doi.org/10.4018/jesma.2009070802
APA
Cruz, P., Laukkanen, T., & Muñoz, P. (2009). Exploring the Factors Behind the Resistance to Mobile Banking in Portugal. International Journal of E-Services and Mobile Applications (IJESMA), 1(4), 16-35. http://doi.org/10.4018/jesma.2009070802
Chicago
Cruz, Pedro, Tommi Laukkanen, and Pablo Muñoz. "Exploring the Factors Behind the Resistance to Mobile Banking in Portugal," International Journal of E-Services and Mobile Applications (IJESMA) 1, no.4: 16-35. http://doi.org/10.4018/jesma.2009070802
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