ARESTHA, Rully; AFIFAH, Nur; MUSTARUDDIN, Mustaruddin. MENDORONG TRANSFORMASI DIGITAL UMKM: ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI NIAT ADOPSI FINTECH DI INDONESIA. Jurnal Manajemen Terapan dan Keuangan, [S. l.], v. 14, n. 02, p. 948–961, 2025. DOI: 10.22437/jmk.v14i2.44970. Disponível em: https://www.online-journal.unja.ac.id/mankeu/article/view/44970. Acesso em: 22 apr. 2026.