Ming, Kelvin Lee Yong, and Mohamad Jais. “Factors Affecting the Intention to Use E-Wallets During the COVID-19 Pandemic”. Gadjah Mada International Journal of Business 24, no. 1 (February 7, 2022): 82-100. Accessed January 9, 2025. https://dev.journal.ugm.ac.id/v3/gamaijb/article/view/15783.