@book{38007,
	author = {Chulu, Miriam},
	title = {A comparative analysis of the factors affecting e-commerce adoption in locally - owned and foreign owened banks ( a case of the Copperbelt)},
	publisher = {Copperbelt University, School of Business, Department of Postgraduate studies},
	year = {2012},
	address = {Kitwe:},
	note = {Bibliography}
}