MARFIADI, A. H.; WIDYASTUTI, S.; SHITE, M. Model Inovasi Perbankan Menuju Branchless Banking: Studi Kualitatif Adopsi Teknologi Berbasis Value Integrasi Schwart Value dan Utaut 2. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, [S. l.], v. 6, n. 9, p. 3670 –, 2025. DOI: 10.47467/elmal.v6i9.9117. Disponível em: https://journal-laaroiba.com/ojs/index.php/elmal/article/view/9117. Acesso em: 30 apr. 2026.