F. F. Al Mashagba and M. O. Nassar, “Modified UTAUT Model to Study the Factors Affecting the Adoption of Mobile Banking in Jordan”, IJSBAR, vol. 6, no. 1, pp. 83–94, Oct. 2012, Accessed: Oct. 20, 2025. [Online]. Available: https://www.gssrr.org/JournalOfBasicAndApplied/article/view/2176