Fintech utilization, financial management behavior, and MSMEs’ financial performance: Does financial literacy matter?
This research assesses the impact of innovative financial technologies—specifically Fintech Payments and Peer-to-Peer (P2P) Lending- along with financial management behavior on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Denpasar, Indonesia. Additionally, it examines the moderating role...