Syahadiyanti, Litafira, and Apol Pribadi Subriadi. “Diffusion of Innovation Theory Utilization Online Financial Transaction: Literature Review”. International Journal of Economics and Financial Issues 8, no. 3 (May 6, 2018): 219–226. Accessed November 14, 2024. https://econjournals.com./index.php/ijefi/article/view/6438.