JALIL, Noor Habeeb. Extending UTAUT with Trust and Self-Efficacy: A Study of Mobile Banking Adoption in Post-Conflict Iraq. Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi, [S. l.], v. 2, n. 1, p. 115–130, 2025. DOI: 10.37676/jemba.v2i1.935. Disponível em: https://journal.utami.id/index.php/EMBA/article/view/935. Acesso em: 9 nov. 2026.