Rafinda, A., Bahy Raihan Rauf, and Eliada Hewiyanti. “Analysis of Factors Affecting Intention to Use Fintech & E-Commerce for SMEs”. Jurnal Riset Akuntansi Dan Bisnis Airlangga, vol. 9, no. 1, June 2024, pp. 62-73, doi:10.20473/jraba.v9i1.57051.