SAFITRI, E. M.; ARISTA PRATAMA; AMALIA, I. S.; ALIFANSA, D. M.; RIYANTOKO, P. A. User Acceptance of Mobile Banking in Developing Country: A Path Analysis of Conceptual Model. Journal of Advances in Information and Industrial Technology, Surabaya, Indonesia, v. 6, n. 2, p. 153–162, 2024. DOI: 10.52435/jaiit.v6i2.409. Disponível em: https://www.ittelkom-sby.ac.id/journal-new/jaiit/article/view/409. Acesso em: 4 jun. 2026.