Johan and Nainggolan, N. P. . (2025) “Effect of e-service quality, consumer trust, and brand image on the loyalty of BCA m-banking users”, Journal of Management Science (JMAS), 8(3), pp. 620–627. Available at: https://exsys.iocspublisher.org/index.php/JMAS/article/view/716 (Accessed: 30May2026).