Karim, M. W. ., M. A. . Ulfy, and M. N. . Huda. “Determining Intention to Use Smartphone Banking Application Among Millennial Cohort in Malaysia”. International Journal of Management and Sustainability, vol. 9, no. 1, May 2020, pp. 43-53, doi:10.18488/journal.11.2020.91.43.53.