Nazzma Arifah, Audrey Salsabila, Fransciska Lucya L, and M. Vahrunnizal N. R. 2026. “PENGARUH FAKTOR-FAKTOR DIFUSI INOVASI TERHADAP ADOPSI LAYANAN PERBANKAN DIGITAL PADA MOBILE BANKING DI JAKARTA BARAT”. Journal of Innovation Research and Knowledge 5 (9):10255-64. https://bajangjournal.com/index.php/JIRK/article/view/12305.