Auliya, E., N. Darmayanti, and I. A. Rosyida. “Central Bank Digital Currency Adoption Determinants in Developing Countries: Determinan Adopsi Central Bank Digital Currency Di Negara Berkembang”. Academia Open, vol. 11, no. 1, Apr. 2026, p. 10.21070/acopen.11.2026.14004, doi:10.21070/acopen.11.2026.14004.