3Wu J H, Hisa T L.Developing e-business dy- namic capabilities: an analysis of e-commerce innova- tion from H, M-, to U-commerce[J].Journal of Organi- zational Computing and Electronic Commerce, 2008, 18(2) :95-111.
4Anckar B, D'Incau D. Value-added services in mobile commerce: an analytical framework and empiri- cal findings from a national consumer survey[C]//Sys- tem Sciences, 2002. HICSS. Proceedings of the 35th Annual Hawaii International Conference on. IEEE,2002:1444-1453.
5Tiwari R, Buse S. The mobile commerce prospects: a strategic analysis of opportunities in the banking sector [M].Hamburg: Hamburg University Press, 2007.
6Goddard J, Molyneux P, Wilson J O S, et al. European banking: An overview [J].Journal of Banking & Finance, 2007, 31(7):1911-1935.