[1]
Jimmy Carter Sudianjaya, Heri Kuswanto, and Reny Nadlifatin, “Model Development of Millennial Intentions Using Digital Banking Platforms in Indonesia (Extended the Unified Theory of Acceptance and Use of Technology-3 (UTAUT-3) with Financial Literacy)”, IJCISIM, vol. 18, no. 2, pp. 1993–2018, Sep. 2026.