Pratiwi, Adhelia Budi, and Novita Ikasari. “What Drives Customer Loyalty in Digital Banking? Insights From A Systematic Literature Review of Technology Acceptance and Hedonic–Utilitarian Perspectives”. Journal of Management Economic and Financial 4, no. 2 (July 11, 2026): 116–135. Accessed August 25, 2026. http://jmef.polteksci.ac.id/index.php/jmef/article/view/201.