SHIDDIQ, Muh. Hasbi Ash.; MUTHMAINNAH, Titiek. 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, [S. l.], v. 1, n. 1, p. 195–211, 2024. Disponível em: https://proceeding.inacemba.org/index.php/eproceeding-inacemba/article/view/23. Acesso em: 30 aug. 2025.