Al Wabel، S. A.، و Zairi، M. (2005). The Impact of E-Commerce on Financial Services: An Empirical Study of Critical Factors in the Saudi Context and A Proposed Model of Best Practice (رسالة دكتوراه غير منشورة). University of Bradford، برادفورد. مسترجع من http://search.mandumah.com/Record/600427
Al Wabel، Saad Ali، و Mohammad Zairi. "The Impact of E-Commerce On Financial Services: An Empirical Study of Critical Factors in the Saudi Context and A Proposed Model of Best Practice" رسالة دكتوراه. University of Bradford، برادفورد، 2005. مسترجع من http://search.mandumah.com/Record/600427