Nurhayati, Nopi Hernawati and Dewi Rahmi (2026) “Determinants of lamikro adoption among micro and small businesses: a technology acceptance model (TAM) approach”, Journal Scientific of Mandalika (JSM) e-ISSN 2745-5955 | p-ISSN 2809-0543, 7(3), pp. 436-442. doi: 10.36312/10.36312/vol7iss2pp398-407.