Maha, Jubail, Jamshed Jhan, and Pavar Sameulah. “Purpose of Using Electronic Payment System During Covid-19 Pandemic Era: Implementation of Health Belief Model and Technology Acceptance Model in Consumer Research”. TWIST 17, no. 3 (September 30, 2022): 84–94. Accessed December 21, 2024. https://twistjournal.net/twist/article/view/22.