“Strategi Inovasi Fintech Dalam Mendorong Inklusi Keuangan Dan Kinerja UMKM Di Indonesia”. JES: Jurnal Ekonomi dan Sosial 1, no. 3 (May 31, 2026): 185–192. Accessed July 12, 2026. https://journal.lenteramulia.org/index.php/jes/article/view/127.