Agustin, Rohmi Maulina, Nur Fitri Hidayanti, & Nur Aini.
" Determinants of The Use of Digital Service at Islamic Banks: The Role of Technology and Transaction Costs." <em>JMK (Jurnal Manajemen dan Kewirausahaan)</em> [Online], 11.2 (2026): 424-435. Web.  6 Jun. 2026