<?xml version="1.0" encoding="UTF-8"?>
<xml><bibliography><APA>Ugyen Dendup และ Nagul Cooharojananone. (2013) THE EFFECTS OF FACTORS ON CUSTOMERS’ ATTITUDE TOWARDS ACCEPTANCE OF INTERNET BANKING IN BHUTAN. Chulalongkorn University:ม.ป.ท.</APA><Chicago>Ugyen Dendup และ Nagul Cooharojananone. 2013. THE EFFECTS OF FACTORS ON CUSTOMERS’ ATTITUDE TOWARDS ACCEPTANCE OF INTERNET BANKING IN BHUTAN. ม.ป.ท.:Chulalongkorn University;</Chicago><MLA>Ugyen Dendup และ Nagul Cooharojananone.  THE EFFECTS OF FACTORS ON CUSTOMERS’ ATTITUDE TOWARDS ACCEPTANCE OF INTERNET BANKING IN BHUTAN.  ม.ป.ท.:Chulalongkorn University, 2013. Print.</MLA></bibliography></xml>
