KARMAWAN, Karmawan. Business Models, Fintech, Investment Decisions, and Challenges in Bangka Belitung Islands Province. International Journal of Management Science and Information Technology, [S. l.], v. 5, n. 1, p. 218–225, 2025. DOI: 10.35870/ijmsit.v5i1.3793. Disponível em: https://journal.lembagakita.com/IJMSIT/article/view/3793. Acesso em: 21 apr. 2026.