Liau, Jennifer, Evelyn Liberty, Carine Faustine, and Priska Basariana Panggabean. “Model of Decision Making Behavior in Using Digital Banking Services: An Approach to Developing a Conceptual Framework That”. ProBisnis : Jurnal Manajemen 15, no. 2 (April 30, 2024): 8–11. Accessed September 28, 2024. http://ejournal.joninstitute.org/index.php/ProBisnis/article/view/469.