YUNUS, Muhammad Haekal; NURJANNAH, Nurjannah; ZAINUDDIN, Ahmad Fuad; ERWINA, Erwina. Understanding Generation X’s Adoption of Digital Payment Systems: An Integrated Utaut–ToE Perspective. Jurnal Minds: Manajemen Ide dan Inspirasi, [S. l.], v. 12, n. 2, p. 703–714, 2025. DOI: 10.24252/minds.v12i2.56396. Disponível em: https://journal.uin-alauddin.ac.id/index.php/minds/article/view/56396. Acesso em: 24 dec. 2025.