“Examining the Factors That Influence the Intensity of Mobile Banking Use among Gen Z Accounting Students in Surabaya”. Progress: Jurnal Pendidikan, Akuntansi dan Keuangan 8, no. 2 (August 15, 2025): 100–112. Accessed August 20, 2025. https://ejournal.lppm-unbaja.ac.id/index.php/progress/article/view/4182.