KARTIKA, I. C. .; AMBARWATI, R. User Decision Factors in Financial Apps: Application Features, Utility, and Risk Analysis. International Journal of Economics Development Research (IJEDR), [S. l.], v. 4, n. 6, p. 2754–2773, 2023. DOI: 10.37385/ijedr.v5i2.3988. Disponível em: https://yrpipku.com/journal/index.php/ijedr/article/view/3988. Acesso em: 3 jul. 2025.