Nayanajith, Gayan, K. A. Damunupola, and Randy Joy Ventayen. 2019. “User Intentions and Actions Towards Adoption of Technology Based Self-Service Banking Services: A MANOVA Analysis”. Southeast Asian Journal of Science and Technology 4 (1), 81-88. https://sajournal.pti.edu.ph/index.php/sajst/article/view/64.