Integrating Religiosity with Technology Acceptance Model (TAM) and Technology Organization Environment (TOE) Frameworks: A Study on ICT Adoption in Micro and Small Enterprises. Pakistan Journal of Commerce and Social Sciences (ISSN 1997-8553), [S. l.], v. 18, n. 3, p. 651–675, 2024. Disponível em: https://jes.ac.pk/index.php/jes/article/view/33. Acesso em: 10 nov. 2025.