Siddiqui, Junaid-ur-Rehman. “Evaluating the Effectiveness of Reasoned-Action Theories (TRA, TPB, IBM) for Explaining Low E-Commerce Adoption in a Developing Country: A Structural Equation Modelling (SEM) Approach”. Trends in Computer Science and Information Technology 7, no. 2 (July 22, 2022): 035–046. Accessed August 15, 2025. https://www.engineegroup.com/tcsit/article/view/TCSIT-7-149.