The Role of Fintech in Financial Inclusion  (Case Study of MSME Entrepreneurs in Surabaya). Management Studies and Business Journal (PRODUCTIVITY), [S. l.], v. 1, n. 3, p. 328–339, 2024. DOI: 10.62207/5n4tc713. Disponível em: https://journal.ppipbr.com/index.php/productivity/article/view/143.. Acesso em: 28 oct. 2025.