Tebourbi, Sameh, and Romdhane Khemakhem. “FACTORS INFLUENCING E-CRM USE IN TUNISIAN FINANCIAL SERVICES: AN EXTENDED UTAUT MODEL WITH PERCEIVED RISK”. Veredas Do Direito, vol. 22, Nov. 2025, p. e223648, doi:10.18623/rvd.v22.n5.3648.