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  • Although internet banking is widespread in many parts of the world especially in developed countries such as Finland, Sweden, and the United States (Karjaluoto et al., 2002; Nilsson, 2007; Berger, 2003), adoption of internet banking in developing countries including Thailand appears to be quite rare (Abdul et al., 2007; Ongkasuwan and Tantichattanon, 2002).
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