BHUVANESHWARI , R. .; K. , V. K. . UTAUT-3-Based Analysis of User Intention and Usage Behavior in Digital Lending Adoption. Qubahan Academic Journal, [S. l.], v. 6, n. 1, p. 676–694, 2026. DOI: 10.48161/qaj.v6n1a2005. Disponível em: https://journal.qubahan.com/index.php/qaj/article/view/2005. Acesso em: 26 mar. 2026.