KHUSNIATI, N.; YUSUF, M. G. From Phone to Finance: Indonesian Female Patterns in Store Payments. Journal of Scientific Research, Education, and Technology (JSRET), [S. l.], v. 4, n. 2, p. 1118–1136, 2025. DOI: 10.58526/jsret.v4i2.782. Disponível em: https://jsret.knpub.com/index.php/jrest/article/view/782. Acesso em: 21 apr. 2026.