Salsabila Putri Widyadana, Setiawati, E., & Rina Trisnawati. (2025). Adoption of The Utaut3 Model by Mobile Banking Users of Bank Syariah Indonesia. Riset Akuntansi Dan Keuangan Indonesia, 10(3), 291–301. https://doi.org/10.23917/reaksi.v10i3.13418