De Leon, Myra V. “Factors Influencing Behavioural Intention to Use Mobile Banking Among Retail Banking Clients”. Jurnal Studi Komunikasi 3, no. 2 (July 2, 2019): 118-137. Accessed April 22, 2025. https://ejournal.unitomo.ac.id/index.php/jsk/article/view/1469.