HASIBUAN, P. S. N.; RINAWATI, L.; HARNO, R. DIGITAL FINANCE ADOPTION STRATEGY IN SHARIA BPR. JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS, [S. l.], v. 2, n. 3, p. 404–415, 2023. DOI: 10.55047/jhssb.v2i3.587. Disponível em: https://ojs.transpublika.com/index.php/JHSSB/article/view/587. Acesso em: 24 oct. 2025.