DEWIATY, Irmina Linda; ANABUNI, Andrias Umbu Tuku. BEHAVIORAL–TECHNOLOGY MODEL DALAM ADOPSI DIGITAL PAYMENT: DAMPAKNYA TERHADAP EFISIENSI KEUANGAN UMKM DI OEBOBO, KOTA KUPANG. Jurnal Maneksi (Management Ekonomi Dan Akuntansi), [S. l.], v. 15, n. 2, p. 963–968, 2026. DOI: 10.31959/jm.v15i2.3789. Disponível em: https://www.ejournal-polnam.ac.id/index.php/JurnalManeksi/article/view/3789. Acesso em: 5 nov. 2026.