MAGFIROH, S. R. .; SURYOMURTI , W. . Sharia Fintech Service Adoption Among Cooperative and Non-Cooperative Users in Jakarta and West Java: An Empirical Tam Study. International Journal of Economics Development Research (IJEDR), [S. l.], v. 4, n. 4, p. 2218–2236, 2023. DOI: 10.37385/ijedr.v5i2.5307. Disponível em: https://yrpipku.com/journal/index.php/ijedr/article/view/5307. Acesso em: 6 jul. 2025.