Ritonga, M. H., M. I. Harahap, and N. Santri. “Convenience, Trust, Sharia Literacy, and Features in Gopay Usage Decisions”.
Academia Open
, Vol. 10, no. 1, May 2025, p. 10.21070/acopen.10.2025.10962, doi:10.21070/acopen.10.2025.10962.