Cikita, Marsa Duo, Nadia Charissa, and Sentot Imam Wahjono. 2025. “Pengaruh Kepercayaan Dan Persepsi Risiko Terhadap Penggunaan Aplikasi E-Wallet Di Kalangan Gen Z”. Journal of Innovative and Creativity 5 (2):4111-18. https://doi.org/10.31004/joecy.v5i2.691.