Martini, Martini, Eri Triharyati, and Dheo Rimbano. “Influence Financial Technology, Financial Literacy, and Intellectual Capital on Financial Inclusion in Micro, Small and Medium Enterprises (MSMEs)”. Ilomata International Journal of Tax and Accounting 3, no. 4 (October 31, 2022): 408-420. Accessed April 20, 2024. https://www.ilomata.org/index.php/ijtc/article/view/572.