References

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Bank Indonesia, 2013. [Reports payment systems and money management 2012]. Bank Indonesia, Jakarta, Indonesia. (In Indonesian)

Haruna, I., 2012. Challenges of electronic payment systems in Ghana: The Case of e-ZWICH. Am. J. Bus. Manage., 1: 87-95.
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Kumaga, D., 2010. The challenges of implementing electronic payment systems: The case of Ghana’s E-zwich Payment System. Master Thesis, Blekinge Institute of Technology, Karlskrona, Sweden.

Nam, P.D., 2014. Implementation of E-banking in Vietnam: Motivations and challenges-case company A. BA Thesis, Lahti University of Applied Sciences, Lahti, Finland.

Sahut, J.M. and M. Galuszewska, 2004. Electronic payment market: A non-optimal equilibrium. Proceedings of the SAINT 2004 International Workshop and Symposium on Applications and Internet Workshopes, January 26-30, 2004, IEEE, France, ISBN:0-7695-2050-2, pp: 3-8.

Sumanjeet, S., 2009. Emergence of payment sistems in the age of electronic commerce: The state of art. Global J. Intl. Bus. Res., Vol. 2,