Tarigan, A., Priambodo, C. and Christanto, B. 2026. THE EFFECT OF FINANCIAL LITERACY, SUBJECTIVE NORMS, AND PERCEIVED BEHAVIORAL CONTROL ON THE USE OF GOPAY DIGITAL WALLET WITH INTENTION AS A MEDIATION VARIABLE. Journal of Management : Small and Medium Enterprises (SMEs). 19, 1 (Mar. 2026), 157-176. DOI:https://doi.org/10.35508/jom.v19i1.24759.