Ghazali, Azhar, Alfatih Sikki Manggabarani, and Guntur Syahputra Saragih. 2026. “Analysis of the Direct Effect of Perceived Usefulness and Perceived Ease of Use on Intention to Use With Attitude Mediation in Digital Banking”. Ilomata International Journal of Management 7 (1), 484-501. https://doi.org/10.61194/ijjm.v7i1.1952.