Rafinda, A., Bahy Raihan Rauf and Eliada Hewiyanti (2024) “Analysis of Factors Affecting Intention to Use Fintech & E-Commerce for SMEs”, Jurnal Riset Akuntansi Dan Bisnis Airlangga, 9(1), pp. 62–73. doi: 10.20473/jraba.v9i1.57051.