APA (7th ed.) Citation

Setiawan, B., Nugraha, D. P., Irawan, A., Nathan, R. J., & Zoltan, Z. (2021). User Innovativeness and Fintech Adoption in Indonesia. Elsevier.

Chicago Style (17th ed.) Citation

Setiawan, Budi, Deni Pandu Nugraha, Atika Irawan, Robert Jeyakumar Nathan, and Zeman Zoltan. User Innovativeness and Fintech Adoption in Indonesia. Elsevier, 2021.

MLA (9th ed.) Citation

Setiawan, Budi, et al. User Innovativeness and Fintech Adoption in Indonesia. Elsevier, 2021.