Sagita, Diwani, Muhammad Ramadhan, and Helman Fachri. 2026. “ShopeePay: How Security Perception and Ease of Use Among Its Users Would Affect Loyalty through Trust in Pontianak”. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) 9 (1), 9342-59. https://doi.org/10.31538/iijse.v9i1.9790.