Adenia, Niniek, Alifia Nur Zaida, and Hasanah Listiyanti. “ANALYSIS OF INTENTION TO USE SHARIA DIGITAL BANKING USING TAM 3 AND UTAUT THEORY”. Airlangga International Journal of Islamic Economics and Finance 5, no. 02 (December 15, 2022): 83–103. Accessed December 25, 2024. https://e-journal.unair.ac.id/AIJIEF/article/view/42361.