ANTECEDENTS OF E-REFERRALS: A STUDY ON MOBILE BANKING APPLICATIONS . IITM JOURNAL OF BUSINESS STUDIES (JBS), [S. l.], v. 9, n. 1, p. 63–69, 2024. Disponível em: https://journals.acspublisher.com/index.php/jbs/article/view/16714. Acesso em: 29 aug. 2025.