“UNDERSTANDING THE CONTINUANCE OF ELECTRONIC PAYMENTS USAGE AFTER COVID-19: A SURVEY IN INDONESIA”. JITK (Jurnal Ilmu Pengetahuan dan Teknologi Komputer) 10, no. 2 (November 18, 2024): 231–240. Diakses Februari 10, 2026. https://ejournal.nusamandiri.ac.id/index.php/jitk/article/view/5492.