UTAMI, N. I.; KARMAN, A.; SYARIFUDIN, M. Analisis Intensi Penggunaan Mobile Banking dengan Pendekatan Unified Theory Of Acceptance And Use Of Technology (UTAUT). OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah, [S. l.], v. 3, n. 1, p. 45-72, 2022. DOI: 10.53491/oikonomika.v3i1.353. Disponível em: https://e-journal.iainfmpapua.ac.id/index.php/oikonomika/article/view/353. Acesso em: 14 oct. 2025.