Masele, J. J. ., and E. . Taluka. “Influence of Perceived Trust in Rural Consumer Mobile Payment Service Adoption: An Understanding of Moderation Effects of Gender and Age”. Business Management Review, vol. 19, no. 2, Dec. 2016, pp. 66-80, https://bmr.udsm.ac.tz/index.php/bmr/article/view/63.