@incollection{,
	
					
					
					B448CBF66D67C06ACD298576B4B037EC
				,
	author={{FarzanYahya} and {Dr. YasirHassan} and {MuazzamAmin} and {The University of Lahore}},
	journal={{Global Journal of Computer Science and Technology}},
	journal={{GJCST}}0975-41720975-435010.34257/gjcst,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}11171321
}

@incollection{b0,
	
	
		,
	title={{Provision of electronic banking in the UK and the Republic of Ireland}}
		,
	author={{
			EDaniel
		}}
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			17
			2
			
			,
	year={1999}
		
	

}

@incollection{b1,
	
	
		,
	title={{Customer orientations and usage of financial distribution channels}}
		,
	author={{
			JThornton
		} and {
			LWhite
		}}
		
	
	
		,
	journal={{Journal of Services Marketing}}
		
			15
			3
			
			,
	year={2001}
		
	

}

@incollection{b2,
	
	
		,
	title={{Consumer attitude and the usage and adoption of home-based banking in the United Kingdom}}
		,
	author={{
			BHowcroft
		} and {
			RHamilton
		} and {
			PHewer
		}}
		
		
	
	
		,
	journal={{The International Journal of Bank Marketing}}
		
			20
			3
			
			,
	year={2002}
		
	

}

@incollection{b3,
	
	
		,
	title={{Marketing on the Internet -who can benefit from an online marketing approach?}}
		,
	author={{
			MYKiang
		} and {
			TSRaghu
		} and {
			Hueu-MinShang
		} and {
			K
		}}
		
		
		
	
	
		,
	journal={{Decision Support Systems}}
		
			27
			4
			
			,
	year={2000}
		
	

}

@incollection{b4,
	
	
		,
	title={{Retail bank services strategy: a model of traditional, electronic, and mixed distribution choices}}
		,
	author={{
			RByers
		} and {
			PJLederer
		}}
		
	
	
		,
	journal={{Journal of Management Information Systems}}
		
			18
			2
			
			,
	year={2001}
		
	

}

@incollection{b5,
	
	
		,
	title={{Adoption of Internet banking by Australian consumers: an empirical investigation}}
		,
	author={{
			MSathye
		}}
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			17
			7
			
			,
	year={1999}
		
	

}

@incollection{b6,
	
	
		,
	title={{}}
	
	
		,
	journal={{Global Journal of Computer Science and Technology}}
		
			20
		
	

}

@incollection{b7,
	
	
		,
	title={{Consumers distribution channel adoption and usage in the financial services industry: a review of existing approaches}}
		,
	author={{
			PHewer
		} and {
			BHowcroft
		}}
		
	
	
		,
	journal={{Journal of Financial Services Marketing}}
		
			3
			4
			
			,
	year={1999}
		
	

}

@incollection{b8,
	
	
		,
	title={{Internet banking patronage: an empirical investigation of Malaysia}}
		,
	author={{
			BSuganthi
		} and {
			PBalachandran
		}}
		
	
	
		,
	journal={{Journal of Internet Banking and Commerce}}
		
			6
			1
			,
	year={2001}
		
	

}

@incollection{b9,
	
	
		,
	title={{Individual trust in online firms: scale development and initial test}}
		,
	author={{
			ABhattacherjee
		}}
	
	
		,
	journal={{Journal of Management and Information Systems}}
		
			19
			1
			
			,
	year={2002}
		
	

}

@incollection{b10,
	
	
		,
	title={{The impact of the relational plan on adoption of electronic banking}}
		,
	author={{
			NRexha
		} and {
			RPhilip
		} and {
			JKingshott
		} and {
			AShang-Aw
		} and {
			S
		}}
		
		
		
		
	
	
		,
	journal={{Journal of Services Marketing}}
		
			17
			1
			
			,
	year={2003}
		
	

}

@incollection{b11,
	
	
		,
	title={{The relationship between consumer innovativeness, personal Characteristics, and online banking adoption}}
		,
	author={{
			MWalfried
		} and {
			ChrisLassar
		} and {
			SharonSManolis
		} and {
			Lassar
		}}
		
		
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			23
			2
			
			,
	year={2005}
		
	

}

@incollection{b12,
	
	
		,
	title={{Retail banking: caught in a Web}}
		,
	author={{
			JHagel
		} and {
			THewlin
		} and {
			THutching
		}}
		
		
	
	
		,
	journal={{The McKinsey Quarterly}}
		
			2
			
			,
	year={1997}
		
	

}

@incollection{b13,
	
	
		,
	title={{Consumer acceptance of online banking: an extension of the technology acceptance model}}
		,
	author={{
			TPikkarainen
		} and {
			KPikkarainen
		} and {
			HKarjaluoto
		} and {
			SPahnila
		}}
		
		
		
	
	
		,
	journal={{Internet Research}}
		
			3
			
			,
	year={2004}
		
	

}

@incollection{b14,
	
	
		,
	title={{Privacy in the world of cyber banking: emerging legal issues and how you are protected}}
		,
	author={{
			VGiglio
		}}
	
	
		,
	journal={{The Secured Lender}}
		
			14
			3
			
			,
	year={2002}
		
	

}

@incollection{b15,
	
	
		,
	title={{Factors underlying attitude formation towards online banking in Finland}}
		,
	author={{
			HKarjaluoto
		} and {
			MMattila
		} and {
			TPento
		}}
		
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			20
			6
			
			,
	year={2002}
		
	

}

@incollection{b16,
	
	
		,
	title={{An empirical investigation of the Turkish consumers acceptance of Internet banking services}}
		,
	author={{
			VNPolatoglu
		} and {
			SEkin
		}}
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			19
			4
			
			,
	year={2001}
		
	

}

@incollection{b17,
	
	
		,
	title={{Acceptance of Ebanking among Adult Customers: An Empirical Investigation in India}}
		,
	author={{
			NDixit
		} and {
			SKDatta
		}}
		
	
	
		,
	journal={{Journal of Internet Banking and Commerce}}
		
			15
			2
			,
	year={2010}
		
	

}