Hermanto Joesoef (2020) “THE IMPACT OF FINANCIAL TECHNOLOGY TOWARDS FINANCIAL INCLUSION DEVELOPMENT IN SMES IN WEST JAVA, INDONESIA”, PalArch’s Journal of Archaeology of Egypt / Egyptology, 17(7), pp. 6595–6508. Available at: https://archives.palarch.nl/index.php/jae/article/view/3008 (Accessed: 30 October 2025).