S. C. Santi, M. A. Surianto, E. Desembrianita, dan M. Rosyihuddin, “Analysis of Factors Influencing Decisions to Use Financial Technology (GoPay) in Gresik Regency”, JURNAL PENELITIAN ILMU MANAJEMEN, vol. 6, no. 3, hlm. 256–270, Okt 2021.