Khilyana, Vivin Afwina Ilya, and Komala Ardiyani. “The Role Of Financial Literacy Moderation In The Relationship Between Financial Technology And Business Experience On The Financial Performance Of MSMEs”. DAS CONFERENCE INTERNATIONAL SERIES 3 (March 17, 2026): 151–158. Accessed April 18, 2026. https://www.das-institute.com/journal/index.php/proceeding/article/view/1237.