ANTECEDENTS OF E-REFERRALS: A STUDY ON MOBILE BANKING APPLICATIONS . IITM Journal of Business Studies, [S. l.], v. 9, n. 1, p. 63–69, 2024. Disponível em: http://journalsiitmjp.com/index.php/iitmjbs/article/view/94. Acesso em: 1 jun. 2026.