L. C. Kirana, M. Simanjuntak, and N. . Zulbainarni, “A Comprehensive Analysis: Perception, Innovativeness, and Intention of Consumers As Determinant Factors of Mobile Banking Usage Behavior ”, jabm, vol. 10, no. 2, p. 520, May 2024, doi: 10.17358/jabm.10.2.520.