Determining Intention to Use Smartphone Banking Application among Millennial Cohort in Malaysia. International Journal of Management and Sustainability, [S. l.], v. 9, n. 1, p. 43–53, 2020. DOI: 10.18488/journal.11.2020.91.43.53. Disponível em: https://archive.conscientiabeam.com/index.php/11/article/view/1074. Acesso em: 30 may. 2026.