WARDOYO, S. K. D.; LUMAWIR, T. C.; MANOPO, R. FACTORS DETERMINING STUDENTS DECISION TO USE DIGITAL WALLETS. Klabat Journal of Management, [S. l.], v. 2, n. 1, p. 48–56, 2021. DOI: 10.60090/kjm.v2i1.558.48-56. Disponível em: https://nurturagrow.site/index.php/kjm/article/view/558. Acesso em: 10 nov. 2025.