PERMANA, Deni Hendra; HENDAYANI, Ratih. Adoption of a Machine Learning-Based Predictive Sampling Module in Retail Productive Credit Audits: A Modified UTAUT Model with Trust. The Eastasouth Management and Business, [S. l.], v. 5, n. 01, p. 1 – 17, 2026. DOI: 10.58812/esmb.v5i01.1128. Disponível em: https://esj.eastasouth-institute.com/index.php/esmb/article/view/1128. Acesso em: 4 oct. 2026.