Januardha, M. Zaky Ayyasy, and Tomy Dwi Cahyono. “The Influence of Financial Technology Adoption, Digital Financial Literacy, and Data Security on Interest in Using OVO”. Journal of Educational Management Research 4, no. 5 (September 16, 2025): 2439–2453. Accessed July 10, 2026. https://serambi.org/index.php/jemr/article/view/1270.