Emotional Artificial Neural Networks and Gaussian Process-Regression-Based Hybrid Machine-Learning Model for Prediction of Security and Privacy Effects on M-Banking Attractiveness[J] SUSTAINABILITY 2022(14) Cavus, Nadire Mohammed, Yakubu Bala Gital, Abdulsalam Ya'u Bulama, Mohammed Tukur, Adamu Muhammad Mohammed, Danlami Isah, Muhammad Lamir Hassan, Abba