?url_ver=Z39.88-2004&rft_id=10.1016%2Fj.techfore.2024.123337&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.aufirst=M.A.M.&rft.au=Saif%2C+M.A.M.&rft.aulast=Saif&rft.volume=203&rft.atitle=Beyond+conventions%3A+Unravelling+perceived+value's+role+in+shaping+digital-only+banks'+adoption&rft.title=Technological+Forecasting+and+Social+Change&rft.date=2024&rft.genre=article