Shafira, V., and Y. Yasri. “The Influence of Perceived Ease of Use, Perceived Usefulness, and Perceived Risk on Intention to Use Gopay on Gojek Application Users ”. Operations Management and Information System Studies, Vol. 1, no. 4, Dec. 2021, pp. 240-9, doi:10.24036/omiss.v1i4.42.