發送短信

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 __   _    _    _     ____     __   __   _    _   
| || | || | || | ||  |  _ \\   \ \\/ // | \  / || 
| '--' || | || | ||  | |_| ||   \ ` //  |  \/  || 
| .--. || | \\_/ ||  | .  //     | ||   | .  . || 
|_|| |_||  \____//   |_|\_\\     |_||   |_|\/|_|| 
`-`  `-`    `---`    `-` --`     `-`'   `-`  `-`

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發送短信 : Determinants of mobile banking adoption:A comparative study between U.S. and Thailand