Fahmi, T. and Wiratama, B. 2018. The Effect of Perceived Usefulness and Perceived Risk to the Utilization of Internet Banking (Study on BRI Internet Banking Customers in Semarang City). Management Analysis Journal. 7, 2 (Jun. 2018), 152-162. DOI:https://doi.org/10.15294/maj.v7i2.27227.