Soma, AM, Ina Kartika Wati, and Heri Ispriyahadi. “Improving Digital Payment System Services: The Impact of E-Service Quality and E-Loyalty on User Preferences”. al-Uqud : Journal of Islamic Economics 8, no. 2 (December 16, 2024): 302–313. Accessed June 29, 2025. https://journal.unesa.ac.id/index.php/jie/article/view/38320.