@article{article, title  = {{Adopters and non‐adopters of internet banking: a segmentation study}},

 publisher = {{Emerald}},

 url = {{https://doi.org/10.1108/02652321211195686 }},

 year = {{2012}},

 month = {{1}},

 author = {{Patsiotis AG and Hughes T and Webber DJ}},

 doi = {{10.1108/02652321211195686}},

 volume = {{30}},

 journal = {{International Journal of Bank Marketing}},

 issue = {{1}},

 pages = {{20-42}},

 note = {{Accessed on 2025/11/08}}}