Kamaruddin, M. J., Fauzi, Y., & Elliyana, E. (2023). The Influence of Transaction Speed and Top-Up Facilities on the Decision to Use Fintech OVO with Partner Quantity as the Moderating Variable. Journal of Business and Behavioural Entrepreneurship, 7(2), 59–73. https://doi.org/10.21009/JOBBE.007.2.01