Source: https://www.researchgate.net/profile/Estelle-Brack/publication/44709342_Determinants_du_developpement_du_porte-monnaie_electronique_Analyse_Theorique_et_empirique_l'exemple_Moneo/links/54379eaf0cf2590375c533fe/Determinants-du-developpement-du-porte-monnaie-electronique-Analyse-Theorique-et-empirique-lexemple-Moneo.pdf