WIBOWO, D. PENGGUNAAN MODEL UNIFIED OF ACCEPTANCE AND USE TECHNOLOGY (UTAUT) UNTUK MENGANALISA FACTOR DETERMINAN FINTECH DI INDONESIA. JURNAL ILMIAH M-PROGRESS, [S. l.], v. 11, n. 1, 2021. DOI: 10.35968/m-pu.v11i1.604. Disponível em: https://journal.universitassuryadarma.ac.id/index.php/ilmiahm-progress/article/view/604. Acesso em: 12 jan. 2026.