?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.au=Nisriena+Hanaa+Aziza%2C+NIM.%3A+21108020059&rft.aulast=Nisriena+Hanaa+Aziza&rft.aufirst=NIM.%3A+21108020059&rft.degree=Skripsi&rft.date=7+January+2026&rft.title=NIAT+PERILAKU+BERALIH+DARI+LAYANAN+M-BANKING+BSI+KE+APLIKASI+BYOND+BY+BSI&rft.inst=UIN+SUNAN+KALIJAGA+YOGYAKARTA&rft.tpages=174