“Determinasi Financial Technology Dengan Pendekatan Unified Theory of Acceptance and Use of Technology II”. Esensi: Jurnal Bisnis dan Manajemen 11, no. 1 (September 8, 2021): 1–14. Accessed July 4, 2026. https://journal.uinjkt.ac.id/index.php/esensi/article/view/19155.