Nirmala, P. Edi Sumantri, Endang Sri Wahyuningsih, Farida Nur Aini. Beyond Convenience: Trust, Risk, and Gender in Shaping Student Adoption of Electronic Payment through a PLS-SEM Lens. bce [Internet]. 2026 Nov. 13 [cited 2026 Nov. 14];6(3):264-76. Available from: https://attractivejournal.com/index.php/bce/article/view/2943