Wismantoro, Yohan, and MG Westri Kekalih Susilowati Susilowati. “How Does Unified Theory of Acceptance and Use of Technology (UTAUT) Work on Adopting Financial Technology (FinTech) by MSMEs?”. Jurnal Penelitian Ekonomi dan Bisnis 6, no. 2 (September 16, 2021): 90–99. Accessed July 27, 2024. https://publikasi.dinus.ac.id/index.php/jpeb/article/view/4826.