Frederico, Jonathan, Endi Sarwoko, and Romauli Nainggolan. “The Effect of Trust on M-Banking in Online Transactions on E-Customer Loyalty: A Theoretical Approach”. Eduvest - Journal of Universal Studies 5, no. 10 (October 8, 2025): 12249–12261. Accessed October 9, 2025. https://eduvest.greenvest.co.id/index.php/edv/article/view/51402.