Gusmao, M. N. A. P. L., A. N. Hidayanto, Y. K. Isal, and W. C. Wibowo. “Adoption of E-Wallets in Timor-Leste: An Extended UTAUT Approach”. Jurnal Informatika Ekonomi Bisnis, Vol. 7, no. 2, June 2025, pp. 304-9, doi:10.37034/infeb.v7i2.1191.