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Hanif Mauludin

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Open access Sep 2026

HOW TECHNOLOGY ADOPTION DRIVES FINANCIAL PERFORMANCE THROUGH TRUST

Micro, small, and medium-sized enterprises (MSMEs) often face challenges in optimizing operational efficiency and improving financial performance due to limited adoption of digital technologies, inadequate digital capabilities, and a lack of trust in digital financial services. This study examines the effects of adopti...

B. Bunyamin, Hanif Mauludin · 0 citations

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