Farahiyah, Qistina, and Bambang Haryadi. “Pengaruh Financial Literacy, Financial Technology Dan Digital Marketing Terhadap Kinerja Usaha UMKM Pada Era Teknologi”. Journal of Culture Accounting and Auditing, vol. 3, no. 2, Dec. 2024, pp. 1-17, doi:10.30587/jcaa.v3i2.8181.