WEDHAYANTI, K. D. A.; MIMBA, N. P. S. H. . The Effect of it Sophistication and User Participation on the Effectiveness of Sipd Usage with Personal Techniques as a Moderating Variable. Journal of Management Economic and Financial, [S. l.], v. 3, n. 5, p. 390–401, 2025. DOI: 10.59261/jmef.v3i5.160. Disponível em: http://jmef.polteksci.ac.id/index.php/jmef/article/view/160. Acesso em: 19 apr. 2026.