Ihsan, J.M., Imtihan, K. and 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), pp. 956–991. doi:10.63158/journalisi.v8i1.1458.