TUNSUPARP, S. Effect of User Characteristics and Internet Using Behavior on the Adoption of Internet Banking. Journal of the Association of Researchers, [S. l.], v. 25, n. 3, p. 350–369, 2020. Disponível em: https://so04.tci-thaijo.org/index.php/jar/article/view/247623. Acesso em: 6 oct. 2026.