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I. K. M. A. Pradeva

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Open access Oct 2026

Fintech utilization, financial management behavior, and MSMEs’ financial performance: Does financial literacy matter?

This research assesses the impact of innovative financial technologies—specifically Fintech Payments and Peer-to-Peer (P2P) Lending- along with financial management behavior on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Denpasar, Indonesia. Additionally, it examines the moderating role...

Putu Sri Arta Jaya Kusuma, I. K. M. A. Pradeva · 0 citations

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