Maryaningsih, Novi, Suahasil Nazara, Febrio Kacaribu, and Solikin Juhro. “CENTRAL BANK DIGITAL CURRENCY: WHAT FACTORS DETERMINE ITS ADOPTION?”. Buletin Ekonomi Moneter dan Perbankan 25, no. 1 (June 20, 2022): 1-24. Accessed July 17, 2024. https://bmeb-bi.org/index.php/BEMP/article/view/1979.