Mardhatilah, A.C. and Awalia , D.N. 2025. Evaluation of the Influence of E-Service Quality and E-Trust on Customer Loyalty in Digital Banking Services: Evidence from Indonesian State-Owned Banks (BUMN). Smart International Management Journal. 2, 3 (Sep. 2025), 20–29. DOI:https://doi.org/10.70076/simj.v2i3.149.