“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 ” (2022) Procedia of Social Sciences and Humanities, 3, pp. 334–342. doi:10.21070/pssh.v3i.186.