Ayem, S. and Prasetyaningtyas, S. (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), pp. 2231–2244. doi: 10.37676/ekombis.v13i3.7610.