AFIFA, U. N.; RATNASARI, R. T. . Extending UTAUT3 with Sharia value to predict SOTS adoption among Gen Z. Jurnal Ekonomi & Keuangan Islam, [S. l.], v. 12, n. 1, p. 39–58, 2026. DOI: 10.20885/JEKI.vol12.iss1.art3. Disponível em: https://journal.uii.ac.id/JEKI/article/view/40361. Acesso em: 12 feb. 2026.