Shiddiq, M. H. A., & Muthmainnah, T. (2024). Digital payment usage by MSME players in Bone regency: a theory of planned behavior and risk perception approach. Proceeding International Annual Conference Economics, Management, Business, and Accounting, 1(1), 195–211. Retrieved from https://proceeding.inacemba.org/index.php/eproceeding-inacemba/article/view/23