Defa Septia. “Implikasi TRA (Theory Of Reasoned Action) Dan TAM (Technology Acceptance Model) Pada Pengguna Layanan Perbankan Online”. JPNM Jurnal Pustaka Nusantara Multidisiplin 1, no. 3 (October 9, 2023). Accessed October 15, 2026. https://journalpustaka.com/index.php/jpnm/article/view/35.