@article{SJC_2016_10_1_a3,
     author = {Penchev, Bonimir},
     title = {Effectiveness of a {Conceptual} {Model} for {Increased} {Mobile} {Banking} {Security}},
     journal = {Serdica Journal of Computing},
     pages = {049--062},
     publisher = {mathdoc},
     volume = {10},
     number = {1},
     year = {2016},
     language = {en},
     url = {http://geodesic.mathdoc.fr/item/SJC_2016_10_1_a3/}
}