Paudel, Ram, Laba Kumar Shrestha, and Rajesh Paudel. “A Conceptual Framework for Measuring E-Banking Service Quality and Customer Satisfaction: Integrating SERVQUAL and TAM in the Context of Nepal”. Journal of Economics and Business Letters 4, no. 3 (June 30, 2024): 21–39. Accessed July 27, 2025. https://www.journal.privietlab.org/index.php/JEBL/article/view/539.