MUNKHJARGAL, Uchral. An Empirical Study of Fintech User Behavior Based on the Technology Acceptance Model (TAM). OTU - Journal of Otgontenger, [S. l.], v. 17, n. 2, p. 99–106, 2025. DOI: 10.66295/otu.v17i2.4983. Disponível em: https://mongoliajol.info/index.php/OTU/article/view/4983. Acesso em: 12 mar. 2026.