A. Ahsan, D. H. M. Yusuf, J. Zainol Abidin, M. R. AbdulGhani, N. S. Kamaruddin, and A. Z. Rozali, “EVALUATING THE IMPACT OF FINANCIAL LITERACY AND KEY FACTORS ON SMES’ FINTECH ADOPTION INTENTION”, IJEMP, vol. 9, no. 33, pp. 443–462, Mar. 2026.