Zendrato, H.D.A., Mendrofa, Y., Harefa, I. and Laia, O. 2025. Analysis of Consumer Behavior in Choosing the ZPay Application as a Digital Transaction Service (Case Study at PT. ZPay Komunika Indonesia Gunungsitoli). ProBisnis : Jurnal Manajemen. 16, 5 (Oct. 2025), 1107–1111.