Warsiningsih, Tina, Shahnaz Khumaira, Elita Darmasari, Nova Wijaya, and Galih Putranto. “Bridging Borders through Financial Technology: Analysis of the Factors That Influence the Adoption of Fintech MSMEs in Indonesia’s Front Yard”. Dinasti International Journal of Economics, Finance & Accounting 6, no. 5 (October 21, 2025): 4482–4493. Accessed May 19, 2026. https://dinastipub.org/DIJEFA/article/view/5300.