Navjit Singh, and Dr. Ramandeep Kaur Chahal. “DETERMINING MODERATING INFLUENCES OF PSYCHOGRAPHIC PERSONALITY TRAITS ON ESQ-SAT-BI LINKAGES WITH REFERENCE TO INTERNET BANKING SERVICES”. International Journal of Management Studies (IJMS), vol. 4, no. 01, June 2017, pp. 10-23, https://researchersworld.com/index.php/ijms/article/view/1218.