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All of the following individuals helped contribute to diffusion of innovations theory, EXCEPT:
Negotiable Instrument
A written document guaranteeing the payment of a specific amount of money, either on demand or at a set time, with the name of the payer and payee.
Promissory Note
A financial instrument containing a written promise by one party to pay another party a definite sum of money either on demand or at a specified future date.
Banker's Acceptance
A short-term debt instrument issued by a company that is guaranteed by a commercial bank.
Bills Of Exchange Act
Legislation that governs the creation, transfer, and payment of bills of exchange, a type of negotiable instrument.
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