Nayanajith, G., Damunupola, K. A. and Pastor, C. K. L. (2020) “E-Service Quality, Technology Self-Efficacy and Smart Banking Adoption in Sri Lanka”, ASEAN Multidisciplinary Research Journal, 4(1). Available at: https://www.paressu.org/online/index.php/aseanmrj/article/view/178 (Accessed: 18August2025).