Analisis Peluang dan Tantangan Penggunaan Financial Technology (Fintech) pada UMKM di Kota Ternate. JURNAL RISET AKUNTANSI JAMBI, [S. l.], v. 8, n. 2, p. 65–75, 2025. Disponível em: https://ejournal.unaja.ac.id/index.php/JRAJ/article/view/1431. Acesso em: 21 dec. 2025.