Hadiwijaya H, Fajar Ariwibowo M. Performance and Effort Expectancy on Behavioral Intentions and Their Implications for Fintech Use Behavior in Indonesia. JIES [Internet]. 2026 Jul. 25 [cited 2026 Jul. 28];13(3). Available from: https://publikasi.mercubuana.ac.id/index.php/jies/article/view/27639