Hiro, Akira, and Kenzo Kei. “Examination Of Factors Affecting The Utilization Of Information Technology”. IAIC Transactions on Sustainable Digital Innovation (ITSDI) 2, no. 1 (October 25, 2020): 61–68. Accessed September 19, 2025. https://aptikom-journal.id/itsdi/article/view/353.