Tahir, A., Rasbi, M., Ruslan, M., & Wardi, F. (2025). Digital Based Decision Formation Model in Indonesia with a Theory Planned Behavior Approach: Empirical Evidence of BSI Mobile Banking. El-Qist: Journal of Islamic Economics and Business (JIEB), 14(2), 206–223. https://doi.org/10.15642/elqist.2024.14.2.206-223