@incollection{,
	
					
					
					EE1FF1F04D8D9886E1AAB9A5F1865C33
					10.14257/ijgdc.
				,
	author={{RayzAfrika} and {ATLANTIC INTERNATIONAL UNIVERSITY}},
	journal={{Global Journal of Computer Science and Technology}},
	journal={{GJCST}}0975-41720975-435010.34257/gjcst,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}18119
}

@book{b0,
	
	
		,
	title={{Improving the security and usability of cloud services with user-centric security models}}
		,
	author={{
			SamanZarandioon
		}}
		
			,
	year={2012}
		
	

}

@book{b1,
	
	
		,
	title={{Cloud Computing and Sustainable Development in Higher Education}}
		,
	author={{
			SundayAIdowu
		} and {
			AdenikeOOsofisan
		}}
		
		
			,
	year={2012}
		
	

}

@book{b2,
	
	
		,
	title={{}}
		,
	author={{
			JamesRashid
		} and {
			Mungai
		}}
		
		
		
			,
	year={2012}
		
	
	,
	note={cloud computing in the Kenyan banking industry}

}

@book{b3,
	
	
		,
	title={{Major Challenges Impeding the Fast Adoption of Cloud Computing: A Case Study of South African Organisations and Emerging Economics; open journal of mobile computing and cloud computing. Fatuma Namisango et al, 2014; the use of cloud computing and storage virtualization for information storage in ugandan-based small businesses}}
		,
	author={{
			EMashandudze
		} and {
			BDwolatzky
		}}
		
		
			,
	year={2015}
		
	

}

@book{b4,
	
	
		,
	author={{
			NathanWere
		}}
		
		,
	title={{MFIs in Uganda survive the Fin-tech disruption}}
				
			,
	year={2016}
		
	
	,
	note={will banks}

}

@incollection{b5,
	
	
		,
	title={{}}
	
	
		,
	journal={{National Information Technology Authority (NITA-U)}}
		
			,
	year={2012}
		
	

}

@incollection{b6,
	
	
		,
	title={{}}
	
	
		,
	journal={{Uganda E-Government Readiness Assessment, Final Report}}
		
	

}

@incollection{b7,
	
	
		,
	title={{Measuring performance through capital structure: Evidence from banking sector of Pakistan}}
		,
	author={{
			MASiddiqui
		} and {
			AShoaib
		}}
		
	
	
		,
	journal={{African Journal of Business Management}}
		
			5
			1
			
			,
	year={2011}
		
	

}

@incollection{b8,
	
	
		,
	title={{}}
	
	
		,
	journal={{Anca Apostu Emanuil Rednic, Florina Puican}}
		
			,
	year={2012}
		
	
	,
	note={ModelingCloud architecture in banking systems}

}

@book{b9,
	
	
		,
	title={{Emerging Markets Queries in Finance and Business}}
		
	

}

@book{b10,
	
	
		,
	title={{Cloud Computing Conceptual Security Framework for Banking Industry}}
		,
	author={{
			MeskeremAlemu
		} and {
			AbrehetOmer
		}}
		
		
			,
	year={2014}
		
	

}

@book{b11,
	
	
		,
	title={{}}
		,
	author={{
			AhsanKhan
		}}
		
			,
	year={2012}
		
	
	,
	note={Role of commercial banks in economic development}

}

@incollection{b12,
	
	
		,
	title={{Determinants of Financial Performance of Commercial Banks in Kenya}}
		,
	author={{
			VOngore
		} and {
			GKusa
		}}
		
	
	
		,
	journal={{International Journal of Economics and Financial Issues}}
		
			3
			1
			237252
			,
	year={2013}
		
	

}

@book{b13,
	
	
		,
	title={{Determinants of banks' financial performance in developing economies: evidence from kenyan commercial banks}}
		,
	author={{
			BCharles
		} and {
			Murerwa
		}}
		
		
			,
	year={2015}
		
	

}

@book{b14,
	
	
		,
	title={{Factors Affecting Performance of Commercial Banks in Uganda; A Case for Domestic Commercial Banks}}
		,
	author={{
			FrederickNsambu Kijjambu
		}}
		
			,
	year={2014}
		
	

}

@book{b15,
	
	
		,
	title={{Sustainable Development of Commercial Banks in Vietnam -Situation and Solutions 16. Strategy for Financial Literacy in Uganda}}
		,
	author={{
			PhuongNguyen Thanh
		}}
		
			,
	year={2016. 2013}
		
	
	,
	note={Simplify Money. Magnify Life; www.bou.or}

}