Sudibyo SD, Maarif MS, Sukmawati A, Affandi MJ. ANALYSIS OF FACTORS AFFECTING PEOPLE’S BEHAVIOR IN USING ELECTRONIC PAYMENT INSTRUMENTS. j. Organisasi dan manaj. [Internet]. 2018 Sep. 30 [cited 2024 Apr. 25];14(2):108-19. Available from: https://jurnal.ut.ac.id/index.php/jom/article/view/156