Siswoyo, Agus, and Bambang Setyobudi Irianto. “Analisis Technology Acceptance Model (TAM) Terhadap Pengguna Aplikasi Mobile Banking ”. Owner : Riset dan Jurnal Akuntansi 7, no. 2 (April 1, 2023): 1196-1205. Accessed June 27, 2026. https://owner.polgan.ac.id/index.php/owner/article/view/1440.