N. Ulkhair, E. Siskawati, M. N. Almunawar, S. Kumari, and D. Handayani, “The Effect of Financial Literacy, Financial Technology and Income on Small and Medium Entreprise Financial Behaviour ”, Econ. Bus. Account. Soc. Rev, vol. 2, no. 2, pp. 134–144, Jun. 2023.