An Empirical Analysis Of Critical Factors For E Commerce Application In Banking Industry. Journal of Informatics Education and Research, [S. l.], v. 4, n. 2, 2024. DOI: 10.52783/jier.v4i2.872. Disponível em: https://jier.org/index.php/journal/article/view/872. Acesso em: 13 may. 2026.