ROSYIDHA, D. I.; MARDIANA, M. Inovasi sebagai Mekanisme Strategis Penghubung Financial Technology dan Financial Literacy terhadap Kinerja UMKM. Owner : Riset dan Jurnal Akuntansi, [S. l.], v. 10, n. 2, p. 1115-1130, 2026. DOI: 10.33395/owner.v10i2.3129. Disponível em: https://owner.polgan.ac.id/index.php/owner/article/view/3129. Acesso em: 12 jun. 2026.