Yunus, M. H., Nurjannah, N., Zainuddin, A. F., & Erwina, E. (2025). Understanding Generation X’s Adoption of Digital Payment Systems: An Integrated Utaut–ToE Perspective. Jurnal Minds: Manajemen Ide Dan Inspirasi, 12(2), 703–714. https://doi.org/10.24252/minds.v12i2.56396