Subir Chattopadhyay, Joydeep Mookerjee,. “Exploring Consumer Behaviour and Technology Usage: Insights and Implications for Industry”. Mathematical Statistician and Engineering Applications 71, no. 4 (June 25, 2022): 12680–12697. Accessed December 7, 2025. https://philstat.org/index.php/MSEA/article/view/2478.