MARDHATILAH, A. C.; AWALIA , D. N. 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, [S. l.], v. 2, n. 3, p. 20–29, 2025. DOI: 10.70076/simj.v2i3.149. Disponível em: https://heijournal.id/index.php/simj/article/view/149. Acesso em: 19 feb. 2026.