THE INFLUENCE OF PERCEIVED USEFULNESS, PERCEIVED EASE OF ACCESS, PERCEIVED ENJOYMENT, PERCEIVED REFERENCE GROUP, AND EFFICACY FOR SUCCESS ON THE PERFORMANCE OF DIGITALIZATION ACCESS IN SMES, WITH INTENTION TO DIGITALIZATION ACCESS AS A MEDIATING VARIABLE,. LEX 2025, 23 (S6), 9619-9630. https://doi.org/10.52152/y324z006.