Utomo, Rio Guntur, Rahmat Yasirandi, and Novian Anggis Suwastika. 2024. “Adoption Dynamics of Digital Payments: An Urban Case Study on E-Money Using the Technology Acceptance Model”. JURNAL INFOTEL 16 (3), 567–581. https://doi.org/10.20895/infotel.v16i3.1174.