Sudirjo, Frans, Asri Ady Bakri, Andy Ismail, Putri Ekaresty Haes, and Sarwo Hakim. “Level of Acceptance and Use Measurement of Electronic Money Technology Using UTAUT Model”. Jurnal Sistim Informasi dan Teknologi 5, no. 3 (August 1, 2023): 11–16. Accessed July 5, 2025. http://www.jsisfotek.org/index.php/JSisfotek/article/view/275.