MEHMOOD , Dr. Natasha; SHAH, Muhammad Ali. UNDERSTANDING THE FACTORS INFLUENCING E-BANKING USAGE IN PAKISTAN. American Journal of Information Technology and Management, [S. l.], v. 11, n. 1, p. 39–65, 2023. Disponível em: http://americaserial.com/Journals/index.php/AJITM/article/view/285. Acesso em: 17 dec. 2025.