Putri E, Praswati AN, Muna N, Sari NP. E-Finance Transformation: A Study of M-Wallet Adoption in Indonesia. JEP: KMEP [Internet]. 2022 Jun. 1 [cited 2025 Nov. 16];23(1):123-34. Available from: https://journals2.ums.ac.id/jep/article/view/9472