DEDY; SARI, Maya; BALANG, Fransiskus. Penerapan Technology Acceptance Model (TAM) dalam Adopsi Fintech oleh UMKM di Wilayah Perbatasan Indonesia-Malaysia. Valid: Jurnal Ilmiah, [S. l.], v. 23, n. 1, p. 64–78, 2025. DOI: 10.53512/valid.v23i1.595. Disponível em: https://journal.stieamm.ac.id/valid/article/view/595. Acesso em: 17 apr. 2026.