@base . a , , ; , , ; "Journal of electronic banking systems." ; ; ; "2165-9982" ; ; "2165-9982" ; ; "2165-9982" ; "Journal of electronic banking systems" , "Journal of electronic banking systems." ; ; "http://www.ibimapublishing.com/journals/JEBS/table.html" . . a . a , ; "Journal of electronic banking systems" . a ; "2165-9982" ; . "Pennsylvania" . a ; . a ; ; "20200206095000.0"^^ ; ; . a ; "2165-9982" ; .