RAMADAN, Jihad Ihsan. Pengaruh Adopsi FinTech, Financial Literacy, dan Financial Inclusion terhadap Kinerja UMKM melalui Daya Saing di Kota Jakarta Utara. Jurnal EMT KITA, [S. l.], v. 10, n. 4, p. 2533–2543, 2026. DOI: 10.35870/emt.v10i4.7447. Disponível em: https://journal.lembagakita.com/emt/article/view/7447. Acesso em: 8 jul. 2026.