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Marbun, Sixteen Gloria and Saputro, Julianto Agung and Subiyakto, Haryono (2021) Intention to use Virtual Account-based tuition payment system with UTAUT Model and Computer Self Efficacy: Initial Trust as Moderator. IOSR Journal of Business and Management (IOSR-JBM), 23 (10). 09-18. ISSN e-ISSN: 2278-487X, p-ISSN: 2319-7668.