@book{9020,
	author = {Daka, Lion., and Chinhoyi University of Technology.},
	title = {An analysis of the application of e-banking for efficient and cost effective processing of customer payments and access to banking services :},
	publisher = {Chinhoyi University of Technology,},
	year = {2012.},
	address = {Chinhoyi },
	edition = {ed.}
}