Dedy, D., M. Sari, E. M. Salfarini, and A. Agustian. “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), Vol. 18, no. 3, Nov. 2025, pp. 2227-39, doi:10.35508/jom.v18i3.26162.