Adiyanti, A. I. (2015). Pengaruh Pendapatan, Manfaat Kemudahan Penggunaan, Daya Tarik, Promosi, dan Kepercayaan terhadap Minat Menggunakan Layanan E-money. Jurnal Ilmiah Akuntansi Dan Bisnis, 3(1), 1–13. https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/1590
Aisyah, M. (2015). Peer Group Effects on Moslem Consumer’s Decision To Purchase Halal Labeled Cosmetics. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 7(2), 165–180. https://doi.org/10.15408/aiq.v7i2.1682
Al-Jabri,  brahim M., & Sohail, M. S. (2012). Mobile banking adoption: Application of diffusion of innovation theory. Journal of Electronic Commerce Research, 13(4), 379–391.
Anjelina. (2018). Persepsi Konsumen Pada Penggunaan E-Money. Journal Of Applied Managerial Accounting, 2(2).
Aslam, W., Ham, M., & Arif, I. (2017). Consumer behavioral intentions towards mobile payment services: An empirical analysis in Pakistan. Market-Trziste, 29(2), 161–176. https://doi.org/10.22598/mt/2017.29.2.161
Bagla, R. K., & Sancheti, V. (2018). Gaps in customer satisfaction with digital wallets: a challenge for sustainability. Journal of Management Development, 37(6), 442–451. https://doi.org/10.1108/JMD-04-2017-0144
Bailey, A. A., Pentina, I., Mishra, A. S., & Ben Mimoun, M. S. (2017). Mobile payments adoption by US consumers: an extended TAM. International Journal of Retail and Distribution Management, 45(6), 626–640. https://doi.org/10.1108/IJRDM-08-2016-0144
Bank Indonesia. (2016). Peraturan Bank Indonesia Nomor 18/40/PBI/2016. https://www.bi.go.id/id/peraturan/sistempembayaran/Documents/PBI_184016/pdf
Dwivedi, Y. K., Rana, N. P., Jeyaraj, A., Clement, M., & Williams, M. D. (2019). Re-examining the Unified Theory of Acceptance and Use of Technology (UTAUT): Towards a Revised Theoretical Model. Information Systems Frontiers, 21(3), 719–734. https://doi.org/10.1007/s10796-017-9774-y
Eisingerich, A. B., & Rubera, G. (2010). Drivers of brand commitment: A cross-national investigation. Journal of International Marketing, 18(2), 64–79. https://doi.org/10.1509/jimk.18.2.64
Ferinaldy, F., Muslikh, M., & Huda, N. (2019). Pengaruh Sikap, Norma Subjektif, Kendali Perilaku Dan Religiusitas Terhadap Intensi Menggunakan Uang Elektronik. Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan Dan Akuntansi, 11(2), 211–222. https://doi.org/10.35313/ekspansi.v11i2.1531
Gosta, D. R., Utami, D. N., & Dewi, F. S. (2018). Presiden Direktur PT Visionet Internasional (OVO). Jangan bersaing, mending kerja sama. 10 October 2018. https://surabaya.bisnis.com/read/20180607/250/803752/presiden-direktur-pt-visionetinternasional-ovo-adrian-suherman-jangan-bersaing-mending-kerja-sama
Jogiyanto. (2007). Sistem Informasi Keperilakuan. Yogyakarta: Andi Offset.  
Jyh-Shen, C. (2004). The antecedents of consumers’ loyalty toward Internet Service Providers. Volume 41, Issue 6, July 2004. https://www.sciencedirect.com/science/article/abs/pii/S0378720603001150
Karnouskos, S. (2009). Mobile payment: A journey through existing procedures and standardization initiatives. IEEE Communications Surveys & Tutorials, 6(4), 44–66. https://doi.org/10.1109/comst.2004.5342298
KataData. (2019). Daftar Dompet Digital Terbesar di Indonesia Kuartal IV 2017- Kuartal II 2019. 23 Agustus 2019. https://databoks.katadata.co.id/datapublish/2019/08/23/inilah-daftar-dompet-digital-terbesar-di-indonesia
Laksana, G. B., Siti, E., Rizki, A., & Dewantara, Y. (2015). Terhadap Minat Menggunakan Mobile Banking (Studi Pada Nasabah Bank Rakyat Indonesia (BRI) Kantor Cabang Rembang, Jawa Tengah). In Jurnal Administrasi Bisnis (JAB)|Vol (Vol. 26, Issue 2).
Mallat, & Tuunainen. (2008). Exploring Merchant Adoption of Mobile Payment Systems: An Empirical Study. E-Service Journal, 6(2), 24. https://doi.org/10.2979/esj.2008.6.2.24
Mazhar, F., Rizwan, M., Fiaz, U., Ishrat, S., Razzaq, M. S., & Khan, T. N. (2014). An Investigation of Factors Affecting Usage and Adoption of Internet & Mobile Banking In Pakistan. International Journal of Accounting and Financial Reporting, 1(1), 478. https://doi.org/10.5296/ijafr.v4i2.6586
McDaniel, S.W ., & Burnett, J.J. (1990). Consumer Religiosity and Retail Store Evaluative Criteria. Journal of the Academy of Marketing Science, 18(2), 101–112.
Minanda, A., Roslan, S., & Anggraini, D. (2018). Minanda, A., Roslan, S., & Anggraini, D.D. (2018). Perilaku Konsumtif Belanja Online Pada Mahasiswa Fakultas Ilmu Sosial Dan Ilmu Politik Universitas Halu Oleo Kendari. Neo Societal, 3, No 2, 433–440. http://ojs.uho.ac.id/index.php/NeoSocietal/article/view/4031
Misbahudin, & Iqbal, H. (2013). Analisis Data Penelitian Dengan Statistik. Bumi Aksara.
Mulyana, A., & Wijaya, H. (2018). Perancangan E-Payment System pada E-Wallet Menggunakan Kode QR Berbasis Android. Komputika : Jurnal Sistem Komputer, 7(2), 63–69. https://doi.org/10.34010/komputika.v7i2.1511
Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61(2016), 404–414. https://doi.org/10.1016/j.chb.2016.03.030
Rohmatun, K. I., & Dewi, C. K. (2017). Pengaruh Pengetahuan Dan Religiusitas Terhadap Niat Beli Pada Kosmetik Halal Melalui Sikap. Journal Ecodemica, 1(1), 27–35. https://ejournal.bsi.ac.id/ejurnal/index.php/ecodemica/article/view/1420
Schierz, P. G., Schilke, O., & Wirtz, B. W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic Commerce Research and Applications, 9(3), 209–216. https://doi.org/10.1016/j.elerap.2009.07.005
Seetharaman, A., Nanda Kumar, K., Palaniappan, S., & Weber, G. (2017). Factors Influencing Behavioural Intention to Use the Mobile Wallet in Singapore. In Journal of Applied Economics and Business Research JAEBR (Vol. 7, Issue 2).
Singh, N., & Sinha, N. (2020). How perceived trust mediates a merchant’s intention to use a mobile wallet technology. Journal of Retailing and Consumer Services, 52. https://doi.org/10.1016/j.jretconser.2019.101894
Sugiyono. (2015). Metode Penelitian Kombinasi (Mixed Methods). Alfabeta.
Suharmono, B. H. K. (2015). Analisis Pengaruh Promosi, Word of Mouth, Dan Brand Awareness Terhadap Pembentukan Minat Beli Pada Coffee Groove Semarang. Diponegoro Journal of Management, 4(1), 2337–3792. http://ejournal-s1.undip.ac.id/index.php/dbr
Sumarwan, U. (2011). Perilaku Konsumen : Teori dan Penerapannya dalam Pemasaran (2nd ed.). Ghalia Indonesia.
Tempo.co. (2020). Riset: Belanja Online Meningkat Pesat di Tengah Pandemi Covid-19. https://bisnis.tempo.co/read/1331198/riset-belanja-online-meningkat-pesat-di-tengah-pandemi-covid-19
Tuilan, B. M., Pangemanan, S. S., & Tielung, M. V. J. (2018). Analyzing Consumers’ Perception Of The Use Of Electronic Payment In Manado. Analyzing Consumers 3653 Jurnal EMBA, 6(4), 3653–3662.
Zarrin, S. (n.d.). Developing Consumer Adoption Model on Mobile Wallet in Canada.
Zhihong, W., & Li, H. (2016). Factors Influencing Usage of Third-Party Mobile Payment Services in China: An Empirical Study. Journal of Management, 1–49.