Kurniawati, Ria, Adam Zakaria, and Achmad Fauzi. “The Role of Social Influence and Facilitating Conditions in the Adoption of Digital Banking Services Among Generation Z in Indonesia”. Jurnal Minds: Manajemen Ide dan Inspirasi 13, no. 1 (June 4, 2026): 301–312. Accessed October 30, 2026. https://journal.uin-alauddin.ac.id/index.php/minds/article/view/63873.