Does Digital Divide or Provide? The Impact of Cell Phones on Grain Markets in Niger, SSRN Electronic Journal, vol.154, pp.1-61, 2008. ,
DOI : 10.2139/ssrn.1093374
Téléphonie mobile, Internet et développement : l'Afrique dans la société de l'information ?, Tic&Société, vol.2, issue.2, pp.1-58, 2008. ,
SMS Banking: explaining the effect of attitude, social norms and perceived security and privacy, The Electronic Journal on Information Systems in Developing Countries, vol.41, issue.2, pp.1-15, 2010. ,
M???banking in developing markets: competitive and regulatory implications, info, vol.12, issue.1, pp.18-25, 2010. ,
DOI : 10.1108/14636691011015358
Mobile Bankin adoption in Nigeria, The Electronic Journal on Information Systems in Developing Countries, vol.47, issue.2, pp.1-23, 2011. ,
Understanding mobile banking: The unified theory of acceptance and use of technology combined with cultural moderators, Computers in Human Behavior, vol.50, pp.418-430, 2015. ,
DOI : 10.1016/j.chb.2015.04.024
Cell phone banking: predictors of adoption in South Africa???an exploratory study, International Journal of Information Management, vol.23, issue.5, pp.381-394, 2003. ,
DOI : 10.1016/S0268-4012(03)00065-3
Electronic banking for the poor ??? panacea, potential and pitfalls, Small Enterprise Development, vol.15, issue.4, pp.8-24, 2004. ,
DOI : 10.3362/0957-1329.2004.044
Factors affecting behavioral intentions towards mobile banking usage: empirical evidence from India, Romanian Journal of marketing, vol.3, issue.1, pp.6-28, 2011. ,
Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology, MIS Quarterly, vol.13, issue.3, pp.319-340, 1989. ,
DOI : 10.2307/249008
Staged estimation of international diffusion models, Technological Forecasting and Social Change, vol.57, issue.1-2, pp.105-132, 1998. ,
DOI : 10.1016/S0040-1625(97)00085-1
Research Approaches to Mobile Use in the Developing World: A Review of the Literature, The Information Society, vol.2, issue.3, pp.140-159, 2008. ,
DOI : 10.1177/0016549204043611
M-Banking and m-payments services in the developing world: complements or substitutes for trust and social capital? Working Paper v1 Applied Regression Analysis, Linear Models, and Related Methods, Sage, vol.1, 1997. ,
The diffusion of mobile telecommunications services in the European Union, European Economic Review, vol.45, issue.3, pp.577-588, 2001. ,
DOI : 10.1016/S0014-2921(00)00068-4
The evolution of markets under entry and standards regulation ??? the case of global mobile telecommunications, International Journal of Industrial Organization, vol.19, issue.7, pp.1189-1212, 2001. ,
DOI : 10.1016/S0167-7187(01)00069-8
Mobile-banking adoption by Iranian bank clients, Telematics and Informatics, vol.31, issue.1, pp.62-78, 2014. ,
DOI : 10.1016/j.tele.2012.11.001
Cross-country diffusion of the Internet, Information Economics and Policy, vol.14, issue.2, pp.297-310, 2002. ,
DOI : 10.1016/S0167-6245(01)00071-3
Internet vs mobile banking: comparing customer value perceptions, Business Process Management Journal, vol.13, issue.6, pp.788-797, 2007. ,
DOI : 10.1108/14637150710834550
Consumers??? attitudes towards online and mobile banking in China, International Journal of Bank Marketing, vol.23, issue.5, pp.362-380, 2005. ,
DOI : 10.1108/02652320510629250
Understanding factors affecting trust in and satisfaction with mobile banking in Korea: A modified DeLone and McLean???s model perspective, Interacting with Computers, vol.21, issue.5-6, pp.5-6, 2009. ,
DOI : 10.1016/j.intcom.2009.06.004
Adding Innovation Diffusion Theory to the Technology Acceptance Model: Supporting Employees' Intentions to use E-Learning Systems, Educational Technology & Society, vol.14, issue.4, pp.124-137, 2011. ,
An empirical investigation of mobile banking adoption: The effect of innovation attributes and knowledge-based trust, International Journal of Information Management, vol.31, issue.3, pp.31-252, 2011. ,
DOI : 10.1016/j.ijinfomgt.2010.07.006
Limited Dependent and Qualitative Variables in Econometrics, 1983. ,
DOI : 10.1017/CBO9780511810176
Mobile banking services, Communications of the ACM, vol.47, issue.5, pp.42-46, 2004. ,
DOI : 10.1145/986213.986236
Mobile Banking: the impact of M-Pesa in Kenya " Working Paper 17129, 2011. ,
Mobile banking in a developing economy: A customer-centric model for policy formulation, Telecommunications Policy, vol.37, issue.6-7, pp.6-7, 2013. ,
DOI : 10.1016/j.telpol.2012.10.004
A study of mobile banking loyalty in Iran, Computers in Human Behavior, vol.44, pp.35-47, 2015. ,
DOI : 10.1016/j.chb.2014.11.015
Factors affecting the adoption of Internet banking in Tunisia: An integration theory of acceptance model and theory of planned behavior, The Journal of High Technology Management Research, vol.23, issue.1, pp.1-14, 2012. ,
DOI : 10.1016/j.hitech.2012.03.001
Extending the understanding of mobile banking adoption: When UTAUT meets TTF and ITM, International Journal of Information Management, vol.34, issue.5, pp.689-703, 2014. ,
DOI : 10.1016/j.ijinfomgt.2014.06.004
Just how transformational is m-banking, 2007. ,
The moderating effect of gender in the adoption of mobile banking, International Journal of Bank Marketing, vol.28, issue.5, pp.328-341, 2010. ,
DOI : 10.1108/02652321011064872
Diffusion of Innovations, 1995. ,
Investigating Mobile Money Acceptance in Somalia: An Empirical Study, Pakistan Journal of Commerce & Social Sciences, vol.6, issue.2, pp.269-281, 2012. ,
Mobile banking adoption: A literature review, Telematics and Informatics, vol.32, issue.1, pp.129-142, 2015. ,
DOI : 10.1016/j.tele.2014.05.003
Persistent Inequality: Changing Educational Attainment in Thirteen Countries, 1993. ,
Adoption of mobile banking in Finland, Jyva Skyla Studies in Business and Economics, vol.28, 2003. ,
Mobile banking and consumer behaviour: New insights into the diffusion pattern, Journal of Financial Services Marketing, vol.8, issue.4, pp.354-366, 2004. ,
DOI : 10.1057/palgrave.fsm.4770132
Cross-National Analysis of Diffusion of Consumer Durable Goods in Pacific Rim Countries, Journal of Marketing, vol.55, issue.2, pp.48-54, 1991. ,
DOI : 10.2307/1252237
Investigating New Product Diffusion Across Products and Countries, Marketing Science, vol.21, issue.1, pp.97-114, 2002. ,
DOI : 10.1287/mksc.21.1.97.161
Sequential models in categorical regression, Computational Statistics & Data Analysis, vol.11, issue.3, pp.275-295, 1991. ,
DOI : 10.1016/0167-9473(91)90086-H
The digital vicious cycle: Links between social disadvantage and digital exclusion in rural areas, Telecommunications Policy, vol.31, issue.6-7, pp.6-7, 2007. ,
DOI : 10.1016/j.telpol.2007.04.001
The impact of Telecoms on Economic Growth in Development Countries " The Vodafone Policy Paper Series n°2, 2005. ,
An investigation of consumer acceptance of M???banking, International Journal of Bank Marketing, vol.28, issue.7, pp.547-568, 2010. ,
DOI : 10.1108/02652321011085194
Integrating TTF and UTAUT to explain mobile banking user adoption, Computers in Human Behavior, vol.26, issue.4, pp.760-767, 2010. ,
DOI : 10.1016/j.chb.2010.01.013