Ezeanya, I. D., K. C. Nwizu, C. O. Joe-Akunne, and O. S. Chukwuma. “Perceived Risk, Technology Readiness and Adoption of Online Banking Among Undergraduates Students”. ESUT JOURNAL OF SOCIAL SCIENCES, Vol. 10, no. 1, Feb. 2025, https://esutjss.com/index.php/ESUTJSS/article/view/256.