MULIYANI; HARAHAP, Cece; AKBAR, Aswin. Smart Financial Management for MSMEs: Assessing the Roles of Fintech, Cloud Accounting, and Digital Literacy in Deli Serdang Regency. Jurnal Manajemen (Edisi Elektronik), [S. l.], v. 17, n. 3, p. 813–827, 2026. DOI: 10.32832/jm-uika.v17i3.24389. Disponível em: https://ejournal.uika-bogor.ac.id/index.php/manajemen/article/view/24389. Acesso em: 14 oct. 2026.