Suhud, U. ., & Hidayat, N. . (2015). A Mixed-Methods Study to Explore Stage of Readiness and Intention of Micro and Small Enterprises to Adopt Mobile Money in Indonesia. International Journal of Business, Economics and Management, 2(1), 15–33. https://doi.org/10.18488/journal.62/2015.2.1/68.1.15.33