HANDAYANI, W. P. P. The UTAUT Implementation Model in Defining the Behavioral Intention of Mobile Banking Users. Jurnal Manajemen Bisnis, [S. l.], v. 14, n. 2, p. 361–377, 2023. DOI: 10.18196/mb.v14i2.18649. Disponível em: https://journal.umy.ac.id/index.php/mb/article/view/18649. Acesso em: 3 sep. 2025.