Ezeanya, Ifenna D., Kingsley Chinedu Nwizu, Chiamaka O Joe-Akunne, and Okechukwu Samuel Chukwuma. “Perceived Risk, Technology Readiness and Adoption of Online Banking Among Undergraduates Students”. ESUT JOURNAL OF SOCIAL SCIENCES 10, no. 1 (February 9, 2025). Accessed February 23, 2025. https://esutjss.com/index.php/ESUTJSS/article/view/256.