singh, Pradeep, Dr. Rupinder Katoch, Arun Kumar, and Dr. Anuradha Bhandari. “The Impact of FinTech Adoption on SME Performance: The Mediating Roles of Financial Literacy and Transparency”. International Journal of Accounting and Economics Studies 13, no. 1 (January 23, 2026): 380–392. Accessed January 28, 2026. https://www.sciencepubco.com/index.php/IJAES/article/view/36234.