Widuri, Trisnia, Nur Fadjrih Asyik, and Ikhsan Budi Riharjo. “Beyond Fintech Adoption: Examining How Financial Literacy and Fintech Capabilities Enhance ‎MSME Performance Through Technology Acceptance and Financial Inclusion”. International Journal of Accounting and Economics Studies 13, no. 2 (September 6, 2026): 672–680. Accessed September 11, 2026. https://www.sciencepubco.com/index.php/IJAES/article/view/38429.