Julita, Zia, and Euphrasia Susy Suhendra , trans. “Factor Analysis of Sharia Mobile Banking Using the Utaut2 Model in Millenial Generations”. International Journal of Scientific Research and Management (IJSRM) 11, no. 09 (September 17, 2023): 5152–5163. Accessed June 15, 2025. https://www.ijsrm.net/index.php/ijsrm/article/view/4704.