Wardani CK, Usman O, Munawaroh. THE EFFECT OF SELF-EFFICACY ON THE UTILIZATION OF MOBILE BANKING WITH THE TAM APPROACH ON FE UNJ STUDENTS. jpepa [Internet]. 2022 Mar. 30 [cited 2024 Nov. 22];3(1):264-79. Available from: https://journal.unj.ac.id/unj/index.php/jpepa/article/view/30223