id	keyword
ijtc-1132	wallet
ijtc-1132	adoption
ijtc-1132	mobile
ijtc-1132	use
ijtc-1132	indonesia
ijtc-1132	quality
ijtc-1132	information
ijtc-1132	generation
ijtc-1132	research
ijtc-1132	wallet adoption
ijtc-1132	model
ijtc-1132	https://www.ilomata.org/index.php/ijtc
ijtc-1132	study
ijtc-1132	journal
ijtc-1132	digital
ijtc-1132	determinants
ijtc-1132	system