INDRIANI, S. .; NURWATI, S. .; MAHRITA, A. Exploring the acceptance of fintech-based credit services: The impact of technology perception, social norms, and income. JSM: Jurnal Sains Manajemen, [S. l.], v. 14, n. 1, p. 28–42, 2025. DOI: 10.52300/jsm.v14i1.22238. Disponível em: https://e-journal.upr.ac.id/index.php/JSM/article/view/22238. Acesso em: 8 aug. 2025.