ANALYSIS OF EFFECTS OF APP PERMISSION CONCERNS ON INTENTIONS TO DISCLOSE PERSONAL INFORMATION: A CASE STUDY OF MONEY TRANSFER SERVICE APP. jitk [Internet]. 14 Agustus 2023 [dikutip 11 Februari 2026];9(1):109-18. Tersedia pada: https://ejournal.nusamandiri.ac.id/index.php/jitk/article/view/4316