Determinan Adopsi Teknologi Digital Pada UMKM di Indonesia. SKETSA BISNIS, [S. l.], v. 11, n. 02, p. 296–318, 2024. DOI: 10.35891/jsb.v11i02.5536. Disponível em: https://jurnal.yudharta.ac.id/v2/index.php/SKETSABISNIS/article/view/5536. Acesso em: 17 jun. 2026.