CHANG, A.; GUNAWAN, T.; SUMARWAN, U. A Conceptual Framework of Mobile Payment System Adoption and Use in Southeast Asia. JAS (Journal of ASEAN Studies), [S. l.], v. 11, n. 2, p. 417-433, 2023. DOI: 10.21512/jas.v11i2.8815. Disponível em: https://journal.binus.ac.id/index.php/jas/article/view/8815. Acesso em: 23 feb. 2025.