Sarran, Dave, Ibrahim Mohammed, and Penelope DeFreitas. “Factors Driving Internet Banking Adoption in Guyana: A Study of Developing Countries”. Journal of Information Systems and Informatics 7, no. 3 (September 22, 2025): 2161-2181. Accessed December 19, 2025. https://journal-isi.org.adsii.or.id/index.php/isi/article/view/1166.