DEFA SEPTIA. Implikasi TRA (Theory Of Reasoned Action) dan TAM (Technology Acceptance Model) pada Pengguna Layanan Perbankan Online . JPNM Jurnal Pustaka Nusantara Multidisiplin, [S. l.], v. 1, n. 3, 2023. DOI: 10.59945/jpnm.v1i3.35. Disponível em: https://journalpustaka.com/index.php/jpnm/article/view/35. Acesso em: 17 oct. 2026.