Maulana, Rian, Niar Astaginy, and Ismanto Ismanto. 2024. “Penerimaan Dan Kesiapan UMKM Terhadap Adopsi Fintech Di Kabupaten Kolaka”. Innovative: Journal Of Social Science Research 4 (5):3385-96. https://doi.org/10.31004/innovative.v4i5.14709.