Lathifah, A., G. Rahayu, and B. M. Siagian. “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, Vol. 8, no. 2, Oct. 2025, pp. 178-86, doi:10.33365/technobiz.v8i2.917.