Analysis Of The Application Of The UTAUT Model In Understanding The Acceptance And Use Of OVO Applications In Malang City: Analisis Penerapan Model UTAUT Dalam Memahami Penerimaan Dan Penggunaan Aplikasi OVO Di Kota Malang . pssh 2022, 3, 334-342. https://doi.org/10.21070/pssh.v3i.186.