Ayu Agustina, Eka, Wita Juwita Ermawati, and Rizal Ahmad Fauzi. “Analysis Of Factors Affecting The Intensity Of Octo-Mobile Usage By CIMB Niaga”. Eduvest - Journal of Universal Studies 4, no. 8 (August 20, 2024): 7274–7285. Accessed July 5, 2025. http://www.eduvest.greenvest.co.id.submitjurnal.id/index.php/edv/article/view/1443.