... understand the consumers. M1 M3 O3 In the modern era’s service business, customization and intuitive response mechanisms are two common superpowers (Lalicic and Weismayer, 2021). Many service encounters are being reshaped by the technological age of interactions with swiftly emerging...

... only Unified theory of acceptance of use of technology EMoney Cultural dimensions Moderating effect Indonesia D91 M2 M3 O3 In the current digital economy, a reliable payment system is essential for facilitating the exchange of an increasingly diverse range of goods...