HARIPIN, H.; FATMAWATI, S. Analysis of Determinants of Fintech Adoption by MSMEs in Balikpapan City: DOI and TAM Approaches. Studi Akuntansi, Keuangan, dan Manajemen, [S. l.], v. 5, n. 3, p. 271–288, 2026. DOI: 10.35912/sakman.v5i3.5777. Disponível em: https://penerbitgoodwood.com/index.php/sakman/article/view/5777. Acesso em: 15 jan. 2026.