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 13, no. 6 (December 25, 2022): 45–57. Accessed December 15, 2025. https://jfm.edu.vn/index.php/jfme/article/view/834.