Dedy, D., Sari, M., Salfarini, E. M. and 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), pp. 2227-2239. doi: 10.35508/jom.v18i3.26162.