Financial Technology Adoption and Financial Inclusion among SMEs: Examining the Role of Digital Financial Access. Journal of Economics Management, [S. l.], v. 2, n. 1, p. 43–50, 2026. Disponível em: https://ejournal.institutsmb.id/index.php/JGSEG/article/view/100. Acesso em: 20 may. 2026.