Tahir, Atika, Muhammad Rasbi, M Ruslan, and Fithriah Wardi. 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). Surabaya, Indonesia:206-23. https://doi.org/10.15642/elqist.2024.14.2.206-223.