@article{article, title = {{Adopters and non鈥恆dopters of internet banking: a segmentation study}}, publisher = {{Emerald}}, url = {{}}, 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 2025/04/17}}}