CIKITA, M. D.; CHARISSA, N.; WAHJONO, S. I. Pengaruh Kepercayaan Dan Persepsi Risiko Terhadap Penggunaan Aplikasi E-Wallet Di Kalangan Gen Z. Journal of Innovative and Creativity, [S. l.], v. 5, n. 2, p. 4111–4118, 2025. DOI: 10.31004/joecy.v5i2.691. Disponível em: https://joecy.org/index.php/joecy/article/view/691. Acesso em: 16 oct. 2026.