Hartono, Rachman, Djoko Koestiono, Syafrial Syafrial, Hery Toiba, and Mangku Purnonomo. “The Role of Non-Cognitive Skills in the Adoption of Information and Communication Technology in Indonesia”. Asian Economic and Financial Review 13, no. 3 (March 8, 2023): 192–201. Accessed July 3, 2024. https://archive.aessweb.com/index.php/5002/article/view/4741.