Samsiah, S., M. D. . Aristi, D. P. P. . Sari, and Rikinorhakis Ridzwan. “Driving Digital Financial Transformation: The Role of Accounting Proficiency and Government Support on Intention to Use Financial Applications”. INTERNATIONAL JOURNAL OF TRENDS IN ACCOUNTING RESEARCH, vol. 6, no. 2, Nov. 2025, pp. 158-6, doi:10.54951/ijtar.v6i2.1112.