Setianingrum, Elisa, and Nursiam Nursiam. “Pengaruh Persepsi Manfaat , Keamanan , Kepercayaan , Dan Kualitas Layanan Terhadap Keputusan Penggunaan Pembayaran Digital”. Community Engagement and Emergence Journal (CEEJ) 7, no. 3 (February 10, 2026): 1679–1695. Accessed February 16, 2026. https://journal.yrpipku.com/index.php/ceej/article/view/10439.