PINTUBIPAR SARAGIH, Saut; NOPRIADI, Nopriadi. Pengaruh Budaya Terhadap Actual Use Digital Payment System Pada Pelaku UMKM di Kota Batam. Journal of Applied Informatics and Computing, [S. l.], v. 3, n. 2, p. 63–67, 2019. DOI: 10.30871/jaic.v3i2.1646. Disponível em: https://jurnal.polibatam.ac.id/index.php/JAIC/article/view/1646. Acesso em: 18 sep. 2026.