Halim Setiawan, and Ni Putu Widhia Rahayu. “Influence Fintech And Digitalization To Performance MSMEs”. International Journal of Economics, Business and Innovation Research 3, no. 05 (August 27, 2024): 730-748. Accessed October 13, 2026. https://e-journal.citakonsultindo.or.id/index.php/IJEBIR/article/view/1143.