Salma, Meutria, and Refi Rifaldi Windya Giri. “Digital Skill Confirmation Factor Analysis on the Use of Mobile Banking Services in the City of Surakarta”. Ilomata International Journal of Management 4, no. 2 (May 17, 2023): 249-266. Accessed April 25, 2024. https://www.ilomata.org/index.php/ijjm/article/view/756.