SUGIHARTO, E.; TJHIN, V. U. Understanding the Key Drivers Behind User Selection of Digital Banks. International Journal of Cyber ​​and IT Service Management (IJCITSM), [S. l.], v. 5, n. 2, p. 171−185, 2025. DOI: 10.34306/ijcitsm.v5i2.215. Disponível em: https://iiast.iaic-publisher.org/ijcitsm/index.php/IJCITSM/article/view/215. Acesso em: 15 oct. 2025.