MERCI, MERCI (2025) Pengaruh Konstruk Unified Theory of Acceptance and Use of Technology Terhadap Adopsi Sistem Pembayaran Digital Dengan Moderasi Fear of Missing Out = The Influence of Unified Theory of Acceptance and Use of Technology Constructs on Digital Payment System Adoption with Fear of Missing Out as a Moderating Variable. Skripsi thesis, Universitas Hasanuddin.