SIREGAR, H.; MUNIR; SOBANDI, A.; RIZA, L. S.; NUSRATULLO, S. Reframing User Acceptance with User-Generated Content: Insights from Digital Banking in Indonesia. Decode: Jurnal Pendidikan Teknologi Informasi, [S. l.], v. 5, n. 3, p. 1169–1178, 2025. DOI: 10.51454/decode.v5i3.1456. Disponível em: https://journal.umkendari.ac.id/decode/article/view/1456. Acesso em: 28 jan. 2026.