Determinasi Financial Technology Dengan Pendekatan Unified Theory of Acceptance and Use of Technology II. Esensi: Jurnal Bisnis dan Manajemen, [S. l.], v. 11, n. 1, p. 1–14, 2021. DOI: 10.15408/ess.v11i1.19155. Disponível em: https://journal.uinjkt.ac.id/esensi/article/view/19155. Acesso em: 22 jan. 2026.