Analysis of the Use of Financial Technology and Financial Literacy Among MSMEs. MBIA, [S. l.], v. 22, n. 1, p. 11–21, 2023. DOI: 10.33557/mbia.v22i1.2217. Disponível em: https://journal.binadarma.ac.id/index.php/mbia/article/view/2217. Acesso em: 2 jul. 2025.