Sutarso, Yudi. “The Role of Islamic Religiosity on the Relationship Between Risk, Trust, and Intention to Use Digital Payments During the COVID-19 Pandemic”. International Journal of Islamic Economics and Finance (IJIEF) 5, no. 2 (July 29, 2022): 177–200. Accessed May 5, 2025. https://journal.umy.ac.id/index.php/ijief/article/view/13990.