1. Chakrabarty K.C, “Mobile Commerce, Mobile Banking-The Emerging Paradigm”, India Telecom 2009 Conference.
2. Ghosal Souren, 2010, Mobile Banking for inclusive growth by microfinance institutions.
3. Nair .K.G.K and Prasad P.N 2002, Development through Information Technology in Developing Countries: Experiences from an Indian State, The Electronic Journal of Information Systems in Developing Countries.
4. E-Commerce by Dr. Ramesh.