LATHIFAH, A.; RAHAYU, G.; SIAGIAN, B. M. PENGARUH KESADARAN ATAS PELAYANAN, KEPRCAYAAN DIRI DAN NORMA SUBJECTIVE TERHADAP NIAT PENGGUNAAN DIGITAL BANKING : THE EFFECT OF SERVICE AWARENESS, SELF-CONFIDENCE AND SUBJECTIVE NORMS ON INTENTION TO USE DIGITAL BANKING. TECHNOBIZ : International Journal of Business, v. 8, n. 2, p. 178-186, 31 Oct. 2025.