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.v4i2.913. Disponível em: https://www.jier.org/index.php/journal/article/view/913. Acesso em: 23 sep. 2026.