WIDJAJA, G. . E-BANKING TRENDS IN INDONESIA: WHAT EVIDENCES SAY. International Journal Of Humanities, Social Sciences And Business (INJOSS), [S. l.], v. 1, n. 3, p. 167–180, 2022. Disponível em: https://www.injoss.socian.my.id/index.php/joss/article/view/18. Acesso em: 19 mar. 2026.