FINTECH ADOPTION: THE ROLE OF FINANCIAL LITERACY, TRUST AND USER INNOVATIVENESS IN MSMES IN SAMPANG. The International Conference on Sustainable Economics Management and Accounting Proceeding, [S. l.], v. 1, n. 1, p. 1326–1336, 2025. DOI: 10.32424/icsema.1.1.116. Disponível em: https://proceeding.soedirmanunsoed.com/index.php/icsema/article/view/116. Acesso em: 12 oct. 2026.