Haikal, Fahri, Suyanto ., Ari Warokka, and Narti Eka Putri. 2026. “Understanding Digital Wallet Use Through Financial and Technology Factors: An Extended UTAUT Approach”. International Journal of Digital Entrepreneurship and Business 7 (2):52-61. https://doi.org/10.52238/ideb.v7i2.432.