Indonesian Journal of Digital BusinessPerpindahan pengguna dari layanan keuangan konvensional ke fintech bukan lagi tren—melainkan realitas yang harus direspons secara strategis. Penelitian ini mengkaji secara mendalam faktor-faktor yang memengaruhi niat pengguna untuk berpindah dari mobile banking ke aplikasi Flip, dengan mengadopsi model Push-Pull-Mooring (PPM) dalam konteks layanan ...
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