Strategi Inovasi Fintech dalam Mendorong Inklusi Keuangan dan Kinerja UMKM di Indonesia. JES: Jurnal Ekonomi dan Sosial, [S. l.], v. 1, n. 3, p. 185–192, 2026. Disponível em: https://journal.lenteramulia.org/index.php/jes/article/view/127. Acesso em: 12 jul. 2026.