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• 2015The Impact of Attitude, Subjective Norm, Perceived Behavioral Control, Trust, Perceived Benefit and Perceived Risk toward KlikBCA Usage Intention in Surabaya7 cited
• 2022The Effect Of Easy Perception And Security Perception On The Intention Of Using Shopeepay Through Attitude As Intervening Variables In Madiun5 cited
• 2019PENGARUH GAYA HIDUP, PERCEIVED BENEFIT, DAN PERCEIVED RISK TERHADAP NIAT MENGGUNAKAN KARTU KREDIT DI INDONESIA4 cited