Zulqarnain, Muhammad, Muhammad Mustehsan, Usman Balouch, and Samavia Munir. “ASSESSING THE INFLUENCE OF FINANCIAL INCLUSION AND DIGITAL FINANCE ON SMES PERFORMANCE: THE MODERATING ROLE OF TECHNOLOGICAL ADAPTATION”. Journal of Management : Small and Medium Enterprises (SMEs) 16, no. 3 (November 1, 2023): 459-476. Accessed November 27, 2024. https://ejurnal.undana.ac.id/index.php/JEM/article/view/11943.