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Suwarno

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Review Open access Sep 2026

Financial Literacy as A Moderating Variable in The Effect Of Financial Technology Adoption on Financial Performance

The rapid development of financial technology (fintech) has transformed the operational landscape and business strategies of Micro, Small, and Medium Enterprises (MSMEs) and financial institutions worldwide. Although fintech adoption is touted as a key driver of improved financial performance, several empirical finding...

Rinawati, Suwarno, Wan Jeriansyah · 0 citations

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