TRANSFORMATION OF MSMES’ FINANCIAL BEHAVIOR: THE ROLE OFFINANCIAL TECHNOLOGY, FINANCIAL LITERACY, AND FINANCIAL INCLUSIONIN PEKALONGAN CITY. The International Conference on Sustainable Economics Management and Accounting Proceeding, [S. l.], v. 2, n. 1, p. 70–78, 2026. DOI: 10.32424/icsema.v2i1.675. Disponível em: https://proceeding.soedirmanunsoed.com/index.php/icsema/article/view/675. Acesso em: 23 aug. 2026.