Wibowo, Dedi, and Mohammed Hariri Bin Bakri. 2024. “Determining Factors in the Adoption of Fintech of Sharia in Indonesia: Analysis of the Effect of utaut2, Es-Qual, and Religiosity”. Edelweiss Applied Science and Technology 8 (4):1333-46. https://doi.org/10.55214/25768484.v8i4.1510.