Arief, Muhammad Dzaky, and Osly Usman. “Of ANALYSIS OF THE INFLUENCE OF STUDENT PREFERENCES IN JABODETABEK ON DECISIONS TO USE MOBILE BANKING PAYMENT SYSTEMS: Performance Expentancy, Effort Expentancy, Social Influence, Facilitating Conditions, Intention Use ”. International Student Conference on Business, Education, Economics, Accounting, and Management (ISC-BEAM), vol. 3, no. 1, May 2025, pp. 2073-84, doi:10.21009/ISC-BEAM.013.154.