HERMAWAN, Atang; 						GUNARDI, Ardi; 						SARI, Lira Mustika.
 Intention to Use Digital Finance MSMEs: The  Impact of Financial Literacy and Financial  Inclusion.
<strong>Jurnal Ilmiah Akuntansi dan Bisnis</strong>, [S.l.], v. 17, n. 1, p. 171-182, jan. 2022.
ISSN 2303-1018.
Available at: &lt;<a href="http://103.29.196.112/index.php/jiab/article/view/80641" target="_new">http://103.29.196.112/index.php/jiab/article/view/80641</a>&gt;. Date accessed: 16 dec. 2025.
doi: <a href="https://doi.org/10.24843/JIAB.2022.v17.i01.p12">https://doi.org/10.24843/JIAB.2022.v17.i01.p12</a>.