Samekto, A., & Kurniawati, D. E. (2025). UTAUT AND DIGITAL TRANSFORMATION OF MSMEs: A STUDY ON FINTECH ADOPTION IN  SURABAYA CITY. Reviu Accounting, Business & Organizations, 1(1), 105-118. https://doi.org/10.64417/rabo.v1i1.34hxyb44 (Original work published 2025)