Kurniasari, F., F. . Kurniasari, and A. . Abubakar. “The Effect Of Financial Capability, Technology Usage And Prior Bank Experience Into Millenial Online Shopping Behavior”. International Journal of Science, Technology & Management, vol. 4, no. 5, Sept. 2023, pp. 1125-31, doi:10.46729/ijstm.v4i5.917.