“ANALISIS KEPUTUSAN NASABAH DALAM MENGGUNAKAN LAYANAN DIGITAL BANKING DI INDONESIA”, Musytari, vol. 24, no. 12, pp. 1161–1170, Nov. 2025, Accessed: Oct. 03, 2026. [Online]. Available: https://cibjournal.com/index.php/musytari/article/view/1429