Zaky, Muhammad, and Dendi Zainuddin Hamidi. “The Role of Financial Technology in Improving Financial Literacy for MSME Actors”. KnE Social Sciences 7, no. 14 (September 28, 2022): 257–266. Accessed July 7, 2025. https://knepublishing.com/index.php/KnE-Social/article/view/11974.