Determinants of Mobile Banking Adoption in Rural Gujarat: Evidence from Performance and Effort Expectancy. Journal of Informatics Education and Research, [S. l.], v. 6, n. 2, 2026. DOI: 10.52783/k8wn7g77. Disponível em: https://jier.org/index.php/journal/article/view/4632. Acesso em: 23 may. 2026.