NUGROHO, Mahfud; ASTUTI, Fitria Yuni; PATMASARI , Eka Kurnia. Determinan Preferensi Penggunaan Layanan Keuangan Digital di Indonesia: Bukti Empiris Peran Persepsi Biaya, Persepsi Kemudahan, Kepercayaan, dan Literasi Keuangan Digital. RIGGS: Journal of Artificial Intelligence and Digital Business, [S. l.], v. 5, n. 2, p. 22261–22271, 2026. DOI: 10.31004/riggs.v5i2.11416. Disponível em: https://journal.ilmudata.co.id/index.php/RIGGS/article/view/11416. Acesso em: 25 aug. 2026.