NGUYEN, Xuan Truong. Adopting digital transformation in small and medium enterprises: An empirical model of Influencing factorsbased on TOE-TAM integrated. Journal of Finance - Marketing Research, [S. l.], v. 13, n. 6, p. 45–57, 2022. DOI: 10.52932/jfm.vi72.352. Disponível em: https://jfm.edu.vn/index.php/jfme/article/view/834. Acesso em: 15 dec. 2025.