Shellen, Shellen, Margaretha Ardhanari, and Deatri Arumsari Agung. “Factors Shaping Behavioral Intention to Use Digital Wallets in Marketplace Applications”. Jurnal Manajemen Maranatha 23, no. 1 (November 27, 2023): 45–56. Accessed January 18, 2025. http://224305.koshikahk.tech/index.php/jmm/article/view/7666.