Shiddiq, Muh. Hasbi Ash., and Titiek Muthmainnah. “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, vol. 1, no. 1, Apr. 2024, pp. 195-11, https://proceeding.inacemba.org/index.php/eproceeding-inacemba/article/view/23.