Barriers to Mobile Banking Adoption - A Cross-national Study. - Tommi Laukkanen; Pedro Cruz 005 (ICE-B, 2008)

Comparing Consumer Resistance to Mobile Banking in Finland and Portugal. - Tommi Laukkanen; Pedro Cruz 005 (ICETE (Selected Papers), 2008)

Exploring the Factors Behind the Resistance to Mobile Banking in Portugal. - Pedro Cruz 005; Tommi Laukkanen; Pablo Muñoz-Gallego (Int. J. E Serv. Mob. Appl., 2009)

Heavy users of e-banking and Customer Experience Management: evidences on intrinsic motivation. - Pedro Cruz 005; Jari Salo 001; Pablo Muñoz-Gallego; Tommi Laukkanen (Int. J. Electron. Bus., 2010)

Cultural, Individual and Device-Specific Antecedents on Mobile Banking Adoption: A Cross-National Study. - Tommi Laukkanen; Pedro Cruz 005 (HICSS, 2012)