Hatmawan, Aglis Andhita. “Integrating TAM, VAM, PAM And Security Perception In The Intention Of Fintech Service Usage”. Jurnal Ilmiah Manajemen dan Bisnis 7, no. 1 (April 1, 2021): 101–115. Accessed June 29, 2026. https://publikasi.mercubuana.ac.id/index.php/jimb/article/view/10803.