Suprihatin, E. and Mahendra, A. (2022) “MSME PERCEPTION OF FINANCIAL TECHNOLOGY (FINTECH) IN BANYUWANGI DISTRICT”, International Conference On Economics Business Management And Accounting (ICOEMA), 1, pp. 542-554. Available at: https://conference.untag-sby.ac.id/index.php/icoema/article/view/2218 (Accessed: 22January2026).