Richard, Evelyn, and Eliamringi Mandari. “Factors Influencing Usage of Mobile Banking Services: The Case of Ilala District in Tanzania”. Operations Research Society of Eastern Africa 7, no. 1 (June 30, 2017): 42-54. Accessed March 28, 2024. https://orseajournal.udsm.ac.tz/index.php/orsea/article/view/58.