A Study of Digital Banking Usage Intentions inHong Kong based on Consumer Characteristics. European Journal of Business and Management Research, [S. l.], v. 10, n. 3, p. 1–12, 2025. DOI: 10.24018/ejbmr.2025.10.3.2420. Disponível em: https://www.ejbmr.org/index.php/ejbmr/article/view/2420. Acesso em: 6 nov. 2025.