Integrating Religiosity with Technology Acceptance Model (TAM) and Technology Organization Environment (TOE) Frameworks: A Study on ICT Adoption in Micro and Small Enterprises. JESPK [Internet]. 2024 Sep. 30 [cited 2025 Nov. 10];18(3):651-75. Available from: https://jes.ac.pk/index.php/jes/article/view/33