1.
Wibowo D, Hariri Bakri M. Understanding Islamic Financial Technology Adoptin in Indonesia: The Integration of Utaut, Es-Qual, and Religiosity. JAFM [Internet]. 2024 Jul. 28 [cited 2025 Apr. 3];5(3):230-47. Available from: https://dinastires.org/JAFM/article/view/580