CUSTOMER ADOPTION OF MOBILE AND GREEN CHANNEL BANKING: IMPLICATIONS FOR BANKING EFFICIENCY. International Journal of Engineering Research and Science & Technology, [S. l.], v. 21, n. 3(S), p. 43–55, 2025. DOI: 10.62643/. Disponível em: https://ijerst.org/index.php/ijerst/article/view/4676. Acesso em: 24 oct. 2026.