Nurhayati, S. S., P. Zulvia, H. A. Pradesa, and A. Novira. “TRAM-Based Analysis of SAPAWARGA Adoption for Digital Tax Services Among Generation X and Millennials in West Bandung Regency”. MBA : Journal of Management and Business Aplication, Vol. 8, no. 2, Dec. 2025, pp. 93-101, doi:10.31967/mba.v8i2.1844.