?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.aufirst=Muhammad+Nur+Ainul&rft.au=Yakin%2C+Muhammad+Nur+Ainul&rft.aulast=Yakin&rft.tpages=80&rft.inst=UIN+Sunan+Ampel+Surabaya&rft.degree=Undergraduate&rft.date=26+June+2024&rft.title=Pengaruh+usability+dan+efisiensi+pembayaran+non+tunai+terhadap+keputusan+berbelanja+di+UMKM+pada+generasi+Z+di+Surabaya