Analysis of Factors Affecting Adoption of Mobile Banking Application in Indonesia. Esensi: Jurnal Bisnis dan Manajemen, [S. l.], v. 10, n. 1, p. 31–44, 2020. DOI: 10.15408/ess.v10i1.13972. Disponível em: https://journal.uinjkt.ac.id/esensi/article/view/13972. Acesso em: 28 feb. 2026.