Dedy, D., Sari, M., Salfarini, E. M., & Agustian, A. (2025). DETERMINANTS OF ACTUAL FINTECH USE IN MSMES: A MEDIATION EFFECT OF BEHAVIORAL INTENTION ON ATTITUDE AND ACTUAL USE. Journal of Management : Small and Medium Enterprises (SMEs), 18(3), 2227-2239. https://doi.org/10.35508/jom.v18i3.26162