Gitareswara, D. A.; Suratno, T.; Lestari, D. User Trust, Security, and Data Privacy Awareness in GoPay Usage Using Protection Motivation Theory (PMT). Int. J. Softw. Eng. Comput. Sci. 2025, 5 (2), 781-791. https://doi.org/10.35870/ijsecs.v5i2.4518.