@article{
  author = {Venus, D., Mokhtaran, M.},
  title = {Analyzing the Reasons for Unpopularity of ATM Cards and Introducing an Appropriate Framework to Iincrease the Use of These Cards},
  journal = {Jounal of Marketing Management},
  year = {2007},
  volume = {2},
  number = {1},
  pages = {47-63},
  doi = {}
}