Sulaeman, Maman, and Diksi Metris. 2026. “DIGITALIZATION OF MSMEs, FINTECH ACCESS, AND DIGITAL LITERACY IN STRENGTHENING THE REGIONAL ECONOMY IN INDONESIA”. International Journal of Economics and Business UNTARA 1 (1):15-27. https://jurnal.untara.ac.id/index.php/IJEB-Untara/article/view/422.