NURJIHADI, Muhammad; IBRAHIM, Othman; PASARIBU, Sahat M. University Education and Innovation Resistance: A Multigroup Analysis of Digital Payment Barriers among Indonesian Farmers. International Journal of Academic Research in Progressive Education and Development, [S. l.], v. 13, n. 4, 2024. Disponível em: https://ijarped.com/index.php/journal/article/view/3172. Acesso em: 8 jul. 2025.