SHRESTHA, Sahil. Determinants of Mobile Banking Adoption in Kathmandu Valley . Nepalese Journal of Finance, [S. l.], v. 12, n. 3, p. 115–126, 2025. DOI: 10.3126/njf.v12i3.84492. Disponível em: https://nepjol.info/index.php/njf2/article/view/84492. Acesso em: 8 dec. 2025.