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://acspublisher.com/journals/index.php/jbs/article/view/16714. Acesso em: 24 nov. 2024.