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NO	Title, Author(s) (Publication Title, Volume Issue, Page, Issue Date)
1	The fear of COVID-19, Social isolation and digital financial services during the COVID-19 pandemic: An expansion of the Unified Theory of Technology Acceptance and Use (UTAUT) model Berdibayev, Yergali; Kwon, Youngsun, 23rd Biennial Conference, International Telecommunications Society, 2021-06-21
2	Improving digital financial services inclusion: A panel data analysis Berdibayev, Yergali; Kwon, Youngsun, ITS Conference, Online Event 2020, International Telecommunications Society, 2020-06-17

Title, Author(s) (Publication Title, Volume Issue, Page, Issue Date)

Berdibayev, Yergali; Kwon, Youngsun, 23rd Biennial Conference, International Telecommunications Society, 2021-06-21

Berdibayev, Yergali; Kwon, Youngsun, ITS Conference, Online Event 2020, International Telecommunications Society, 2020-06-17

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