DEVELOPMENT OF TECHNOLOGY ACCEPTANCE MODEL (TAM) IN ANALYZING USER DECISIONS OF MOBILE BANKING SERVICES Wondr by BNI. The International Conference on Sustainable Economics Management and Accounting Proceeding, [S. l.], v. 1, n. 1, p. 3440–3447, 2025. DOI: 10.32424/icsema.1.1.290. Disponível em: https://proceeding.soedirmanunsoed.com/index.php/icsema/article/view/290. Acesso em: 10 oct. 2026.