Prawira, S. S., and E. Ridanasti. “An Empirical Analysis of Factors Affecting The Intention of Using Digital Wallet in Yogyakarta”. Selekta Manajemen: Jurnal Mahasiswa Bisnis & Manajemen, vol. 2, no. 6, Aug. 2024, pp. 234-46, https://journal.uii.ac.id/selma/article/view/35629.