Gumilar, Angga, and Lia Marliana. “Determinan Adopsi Financial Technology Menggunakan Pendekatan Theory Planned Behavior Pada UMKM Fashion”. Value : Jurnal Manajemen dan Akuntansi 19, no. 1 (April 30, 2024): 328–340. Accessed July 22, 2024. https://e-journal.umc.ac.id/index.php/VL/article/view/4859.