PENGEMBANGAN MODEL TAM : EXPERTICE DAN INNOVATIVENESS SEBAGAI VARIABEL MODERATOR STUDI PADA PENGGUNAAN E BANKING. Journal of Business & Banking, [S. l.], v. 1, n. 2, p. 155–164, 2011. DOI: 10.14414/jbb.v1i2.250. Disponível em: https://journal.perbanas.ac.id/index.php/jbb/article/view/250. Acesso em: 28 aug. 2025.