Ihsan, J. M., Imtihan, K., & Zulkarnaen, M. F. (2026). Integrating SERVQUAL and ECM to Explain E-Wallet Satisfaction and Continuance in Semi-Urban and Rural Indonesia. Journal of Information Systems and Informatics, 8(1), 956-991. https://doi.org/10.63158/journalisi.v8i1.1458