DAVE T. MORALES; FERNANDO L. TRINIDAD, PH.D. DIGITAL MORTGAGE BANKING ACCEPTABILITY IN PHILIPPINE UNIVERSAL BANKS: EVIDENCE FROM UTAUT MODEL. JOURNAL INFORMATION AND TECHNOLOGY MANAGEMENT (JISTM), [S. l.], v. 4, n. 15, p. 01–15, 2019. Disponível em: https://gaexcellence.com/jistm/article/view/1090. Acesso em: 21 aug. 2025.