Chachage, Bukaza, et al. “Factors Influencing Acceptance of Mobile Money Services Amongst Students of Higher Learning Institutions in Tanzania With Special Reference to Ruaha University College”. ANVESHAK-International Journal of Management, vol. 2, no. 2, Jan. 2013, pp. 9-18, doi:10.15410/aijm/2013/v2i2/50521.