Marlina Wijayanti D, Al-Banna H, Nurdany A. IMPROVING DIGITAL BANKING THROUGH RISK ASSURANCE: TAM MODIFICATION ANALYSIS. j. cent. bank. law and inst. [Internet]. 2024 Jan. 1 [cited 2026 Jan. 14];3(1):153-76. Available from: https://www.jcli-bi.org/index.php/jcli/article/view/172