BERTO, A.; BURSAN, R. Value Adoption Model (VAM) and Users’ Intentions to Use Mobile Banking: Examining Perceived Usefulness, Perceived Sacrifice and Perceived Risk . Jurnal Ilmiah Manajemen Kesatuan, [S. l.], v. 11, n. 2, p. 393–402, 2023. DOI: 10.37641/jimkes.v11i2.2056. Disponível em: https://jurnal.ibik.ac.id/index.php/jimkes/article/view/2056. Acesso em: 3 jul. 2024.