S. N. Mohd Rashid, S. Noranee, A. Z. Bahtar, and M. F. Kamarudin, “Determining Factors of Behavioral Intention to Adopt Digital Banking: A Pilot Study on Youngsters in Malaysia”, IMBR, vol. 17, no. 3(I), pp. 55–62, Sep. 2025, doi: 10.22610/imbr.v17i3(I).4695.