MLA
Cruz, Pedro, Tommi Laukkanen and Pablo Muñoz. "Exploring the Factors Behind the Resistance to Mobile Banking in Portugal." IJESMA 1.4 (2009): 16-35. Web. 24 Apr. 2018. doi: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. doi: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 (2009): 4, accessed (April 24, 2018), doi:10.4018/jesma.2009070802
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