MUNTIAH, Nur Sayidatul; HIDAYAH, Nurul; HARTONO, Arif; CHOIRIYAH, Wizdan. Beyond Digital Adoption: How Financial Technology and Digital Literacy Shape MSME Financial Performance through Financial Literacy. SENTRALISASI, [S. l.], v. 15, n. 3, p. 89–109, 2026. DOI: 10.33506/sl.v15i3.5807. Disponível em: https://ejournal.um-sorong.ac.id/index.php/sentralisasi/article/view/5807. Acesso em: 11 aug. 2026.