„ANTECEDENTS OF E-BANKING USE: A TRUST-EXTENDED TECHNOLOGY ACCEPTANCE MODEL REPLICATION AMONG BANK CUSTOMERS IN LIVINGSTONE, ZAMBIA“ (2026) Kwame Nkrumah University Multi-Disciplinary Journal - Zambia, 3(3), str. 1–26. Dostopno na: https://accessjournal.nkrumah.edu.zm/index.php/knuj/article/view/145 (Pridobljeno: 3 november 2026).