1.
Nihaya IU, Haryono NA, Kautsar A, Kusumawati ND, Angriani ZN S. Shaping Digital Banking Preferences: The Impact of Trust, Literacy, and Digital Competences . IMMERSIVE [Internet]. 2025 Nov. 18 [cited 2025 Nov. 19];3(1). Available from: https://proceeding.unesa.ac.id/index.php/immersive/article/view/7131