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Agus Widadi, W. ., & Dwi Puspitasari, N. F. . (2024). Challenges and Opportunities in Fintech Adoption by Micro Enterprises: A Case Study of Magelang, Indonesia. Jurnal Indonesia Sosial Teknologi, 5(12), 7253–7263. https://doi.org/10.59141/jist.v5i12.8767