hatmawan, aglis andhita, and Abdul Rohman Taufiq. “Integrating TAM, VAM, PAM and Security Perception in The Intention of Fintech Service Usage”. Jurnal Manajemen Indonesia 21, no. 3 (December 23, 2021): 198–207. Accessed April 2, 2025. https://journals.telkomuniversity.ac.id/ijm/article/view/2650.