Muliyani, Cece Harahap, and Aswin Akbar. “Smart Financial Management for MSMEs: Assessing the Roles of Fintech, Cloud Accounting, and Digital Literacy in Deli Serdang Regency”. Jurnal Manajemen (Edisi Elektronik) 17, no. 3 (January 5, 2026): 813–827. Accessed October 14, 2026. https://ejournal.uika-bogor.ac.id/index.php/manajemen/article/view/24389.