Ratih Puspitaningrum, Arin Setiyowati and Fatkur Huda (2025) “ANALYSIS OF GEN Z PERCEPTION OF MOBILE BANKING OPERATIONAL RISKS OF SYARIAH BANKS (Case Study of Islamic Banking Students of UM Surabaya)”, Multidiciplinary Output Research For Actual and International Issue (MORFAI), 5(3), pp. 1296–1309. doi: 10.54443/morfai.v5i3.2965.