Randyantini, V., A. Apriani, I. P. Saputri, and S. A. Wahdiniawati. “OPTIMALISASI FINTECH DALAM STRATEGI PENGEMBANGAN UMKM”. Andhara, vol. 4, no. 1, Jan. 2025, pp. 13-21, https://jurnal.undira.ac.id/andhara/article/view/296.