WARDOYO, Sharon Kumaratih Dewi; 						LUMAWIR, Tamariska Cimberly; 						MANOPO, Regina.
 FACTORS DETERMINING STUDENTS DECISION TO USE DIGITAL WALLETS.
<strong>Klabat Journal of Management</strong>, [S.l.], v. 2, n. 1, p. 48-56, feb. 2021.
ISSN 2722-726X.
Available at: &lt;<a href="https://ejournal.unklab.ac.id/index.php/kjm/article/view/558" target="_new">https://ejournal.unklab.ac.id/index.php/kjm/article/view/558</a>&gt;. Date accessed: 13 oct. 2025.
doi: <a href="https://doi.org/10.60090/kjm.v2i1.558.48-56">https://doi.org/10.60090/kjm.v2i1.558.48-56</a>.