Berliana, N.M., Wulansari, A. and Aulia, V.R. 2025. Analysis of Acceptance Factors of Pospay Application Users in Surabaya City Using Modified TAM. JURNAL TEKNOLOGI DAN OPEN SOURCE. 8, 2 (Dec. 2025), 686 - 697. DOI:https://doi.org/10.36378/jtos.v8i2.4705.