NURANI, Gifti; RIMENDA, Tetty; JUWITA, Ratna; ABRIANTO, Heri. "Ajak Teman’’ as a Referral Strategy to Persuade Friends to Use Digital Banking. KnE Social Sciences, [S. l.], v. 9, n. 14, p. 647–662, 2024. DOI: 10.18502/kss.v9i14.16135. Disponível em: http://thrillriftranks.com/index.php/KnE-Social/article/view/16135. Acesso em: 6 feb. 2025.