Magfiroh, S. R. ., and W. . Suryomurti. “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), vol. 4, no. 4, July 2023, pp. 2218-36, doi:10.37385/ijedr.v5i2.5307.