Nayanajith, G. and Damunupola, K. A. (2019) “Effects of Subjective Norms and Security on Online Banking Adoption: Multilevel Linear Model Analysis”, Asian Journal of Multidisciplinary Studies, 2(1), pp. 9–16. Available at: https://asianjournals.org/online/index.php/ajms/article/view/175 (Accessed: 27 July 2025).