Santoso, S.B. et al. 2026. FinTech Literacy and Entrepreneurial Intention among MSMEs: Trust as Mediator and Perceived Risk Moderator Effects Model. Ilomata International Journal of Management. 7, 3 (Jul. 2026), 1216–1223. DOI:https://doi.org/10.61194/ijjm.v7i3.2153.