?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.aufirst=Ummu&rft.aulast=Ummu+Salma+AL+Azizah&rft.au=Ummu+Salma+AL+Azizah%2C+Ummu&rft.atitle=Ummu+Salma+Al+Aazizah_Article+Journal_Adoption+of+Fintech+Services+for+Sharia+Bank+Users+in+Indonesia%3A+An+Extended+TAM+Approach&rft.title=Equilibrium+IAIN+Kudus&rft.genre=article