Hadiwijaya, H., & Fajar Ariwibowo, M. (2026). Performance and Effort Expectancy on Behavioral Intentions and Their Implications for Fintech Use Behavior in Indonesia. Jurnal Ilmu Ekonomi Dan Sosial (JIES), 13(3). Retrieved from https://publikasi.mercubuana.ac.id/index.php/jies/article/view/27639