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Renta Lestari Hutabarat

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Open access Sep 2026

Bridging Innovation and Digitalization: The Critical Role of Digital and Financial Literacy in Indonesian SME’s

This study examines how digital and financial literacy support the digital transformation of Indonesian SMEs. It explores the roles of owners’ attitudes toward digital innovation, business complexity, growth orientation, government intervention, and business networking in influencing SMEs’ digital intensity, with digit...

Ignatius Edward Riantono, Kania Alma Tiara, Renta Lestari Hutabarat · 0 citations

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