HARTONO, B.; SUNANINGSIH, S. N. .; SITORESMI, M. W. . Determinants of Attitude and Intention to Use Virtual Credit Cards in Indonesia . Qubahan Academic Journal, [S. l.], v. 5, n. 1, p. 334–350, 2025. DOI: 10.48161/qaj.v5n1a1103. Disponível em: https://journal.qubahan.com/index.php/qaj/article/view/1103. Acesso em: 20 sep. 2025.