Siregar H, Munir, Sobandi A, Riza LS, Nusratullo S. Reframing User Acceptance with User-Generated Content: Insights from Digital Banking in Indonesia. Decode [Internet]. 2025 Nov. 25 [cited 2026 Jan. 28];5(3):1169-78. Available from: https://journal.umkendari.ac.id/decode/article/view/1456