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Hanudin, Amin and Rostinah, Supinah and Masmurniwati, Mohd Aris and Ricardo, Baba (2012) Receptiveness Of Mobile Banking By Malaysian Local Customers In Sabah: An Empirical Investigation. Journal of Internet Banking and Commerce, 17 (1). ISSN 1204-5357
Ricardo, Baba and Sunmuglvadivu, Elumalai (2011) Entrepreneurial orientation of SMEs in Labuan and its effects on performance. [Working Paper]