1.
Wati KE, Khuzaini K, Wijaya NQ. Why Users Choose Mobile Banking: Behavioral Insights using UTAUT. IJIETOM [Internet]. 2024 Jun. 30 [cited 2025 Oct. 12];2(1):19-25. Available from: https://ejournals.indoacademia-society.com/index.php/ijietom/article/view/56