Az-Zahra, Shafira, Lina Setiawati, Adila Sosianika, and Widi Senalasari. “The Explanation Of E-Service Quality and Actual Use of M-Banking”. Journal of Marketing Innovation (JMI) 3, no. 1 (June 5, 2024). Accessed January 17, 2025. https://jmi.polban.ac.id/jmi/article/view/27.