[1]
J. I. Ramadan, “Pengaruh Adopsi FinTech, Financial Literacy, dan Financial Inclusion terhadap Kinerja UMKM melalui Daya Saing di Kota Jakarta Utara”, J. EMT KITA, vol. 10, no. 4, pp. 2533–2543, Oct. 2026, doi: 10.35870/emt.v10i4.7447.