Bermeo Giraldo, M. C., Martha L. Benjumea-Arias, Alejandro Valencia-Arias, & Iván A. Montoya-Restrepo. (2021). Factors Determining the Use and Acceptance of Mobile Banking in Colombia. Journal of Telecommunications and the Digital Economy, 9(4), 44–74. https://doi.org/10.18080/jtde.v9n4.391