Khusniati, Navi’ah, and Maulana Ghani Yusuf. “From Phone to Finance: Indonesian Female Patterns in Store Payments”. Journal of Scientific Research, Education, and Technology (JSRET) 4, no. 2 (May 26, 2025): 1118–1136. Accessed April 21, 2026. https://jsret.knpub.com/index.php/jrest/article/view/782.