Fahmi, S, Noermijati ., F Rohman, and Sunaryo . “Factors Affecting Indonesian Consumers to Switch, Using Mobile Banking and Internet Banking Service”. KnE Social Sciences 3, no. 10 (November 12, 2018). Accessed May 2, 2024. https://knepublishing.com/index.php/KnE-Social/article/view/3465.