Jimmy Carter Sudianjaya, Heri Kuswanto, 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 [Internet]. 2026 Sep. 1 [cited 2026 Sep. 10];18(2):1993-2018. Available from: https://cspub-ijcisim.org/index.php/ijcisim/article/view/5404