Amos V, Papalangi N. Analysis of Financial Technology Adoption in Savings and Loan Cooperatives: A UTAUT Approach among Millennials. Econ. entrep. [Internet]. 2025 Dec. 31 [cited 2026 Jan. 8];4(02):267 -. Available from: https://esj.eastasouth-institute.com/index.php/esee/article/view/709