Venter de Villiers, Marike, Tinashe Chuchu, and Gugu Valerie Chavarika. “An Investigation on Mobile Banking and Co-Creation Services Adoption Intention in South Africa”. International Journal of Interactive Mobile Technologies (iJIM) 14, no. 11 (July 10, 2020): pp. 137–152. Accessed April 28, 2024. https://online-journals.org/index.php/i-jim/article/view/13755.