Fristyaningrum, Viciananda, et al. “The Effect Of Literature, Sharia Financial Inclusion, And Fintech Development On The Use Of E-Wallet Applications (Study On University Of Muhammadiyah Surakarta Students)”. Prosiding University Research Colloquium, Dec. 2021, pp. 395-03, https://repository.urecol.org/index.php/proceeding/article/view/1704.