Ramadhaniansyah , Muhammad, and Refi Rifaldi Windya Giri. “Analisis Pengaruh Digital Divide Terhadap Penggunaan Mobile Banking Di Kota Bontang”. Economics and Digital Business Review, vol. 4, no. 1, Jan. 2023, pp. 820-9, doi:10.37531/ecotal.v4i1.427.