Jimmy Julio Ratu Edo, Abdul Mukti Soma, and Palti Marulitua Sitorus. “Factors Influencing Fintech Adoption Among MSME’s in Bandung West Java Indonesia”. JASF: Journal of Accounting and Strategic Finance, vol. 7, no. 2, Dec. 2024, pp. 283-99, doi:10.33005/jasf.v7i2.486.