Agustina, Feny, and Ryan Al Rachmat. “Factors Driving the Use of Fintech M-Banking: A Survey of University Students in Palembang City”. Jurnal Akuntansi AKUNESA, vol. 13, no. 2, Jan. 2025, pp. 210-22, doi:10.26740/akunesa.v13n2.p210-222.