?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.aulast=Aliya+Hasna+Noor+Hafiza&rft.aufirst=-&rft.au=Aliya+Hasna+Noor+Hafiza%2C+-&rft.degree=S1&rft.inst=Universitas+Pendidikan+Indonesia&rft.date=23+July+2025&rft.title=PENGARUH+PEMAHAMAN+NASABAH+ATAS+RISIKO+OPERASIONAL+DAN+RISIKO+KEAMANAN+LAYANAN+BANK+DIGITAL+TERHADAP+BEHAVIORAL+INTENTION+TO+USE%3A+Studi+pada+Layanan+Digital+Bank+Neo+Commerce+(BNC)