S. Budisusetyo, E. Sudaryati, N. S. I. Mei, D. Pujiati, and J. Nahumury, “Exploring the Influence of Cultural and Privacy Perceptions on the Adoption of Mobile Banking”, JEBAV, vol. 28, no. 2, pp. 1–14, Aug. 2025, doi: 10.14414/jebav.v28i2.5288.