Karsim, Karsim, Rini Rini, Reza Ronaldo, Syaiful Anam, and Loso Judijanto. “THE PERCEPTION OF SECURITY AND RISK, EASE OF USE, AND BENEFITS ARE THE DETERMINING FACTORS IN ADOPTING A DIGITAL WALLET”. Journal of Management : Small and Medium Enterprises (SMEs) 17, no. 2 (July 11, 2024): 525-535. Accessed September 1, 2024. https://ejurnal.undana.ac.id/index.php/JEM/article/view/17027.