Yustina, N. L. F. M., Roekhudin, R., & Mohamad Khoiru , R. (2024). Self-Efficacy and Attitude Mediation in the UMEGA Model: Behavior of e-Samsat Users in Bali. AFRE (Accounting and Financial Review), 7(3), 301–313. https://doi.org/10.26905/afr.v7i3.13550