Eulia, Nanda, and Rinaldi Rustam. “The Influence of Security, Convenience, Usefulness, and Public Interest on The Use Of Digital Payment As A Means of Payment in Indonesia With Digital Literacy As A Moderating Variable”. International Journal of Economics, Business and Innovation Research 5, no. 05 (September 6, 2026): 3474-3482. Accessed November 4, 2026. https://e-journal.citakonsultindo.or.id/index.php/IJEBIR/article/view/5189.