Adapa S. Circumstances Probing Internet Banking Users to Use Alternative Channels: Thematic Matrix Display Analysis. IMBR [Internet]. 2013 Jan. 30 [cited 2026 Oct. 25];5(1):1-12. Available from: https://amhinternational.com/imbr/article/view/236-circumstances-probing-internet-banking-users-to-use-alternative-channels-thematic-matrix-display-analysis