Ayem, Sri, and Septiana Prasetyaningtyas. 2025. “The Effect Of Financial Technology, Financial Inclusion, And Innovation On MSME Performance Financial Literacy As Moderation”. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis 13 (3), 2231–2244. https://doi.org/10.37676/ekombis.v13i3.7610.