ANALISIS EMPIRIS PERAN ADOPSI FINTECH TERHADAP INKLUSI KEUANGAN MELALUI DIGITAL INNOVATION: STUDI PADA KLASTER UMKM MAKANAN. DINAMIKA [Internet]. 2026 Oct. 30 [cited 2026 Nov. 11];6(2):245-56. Available from: https://journal.stiestekom.ac.id/index.php/dinamika/article/view/1446