Amos, Viktor, and Nataniel Papalangi. “Analysis of Financial Technology Adoption in Savings and Loan Cooperatives: A UTAUT Approach Among Millennials”. The Es Economics and Entrepreneurship 4, no. 02 (December 31, 2025): 267 –. Accessed January 8, 2026. https://esj.eastasouth-institute.com/index.php/esee/article/view/709.