Retnowati, W. ., Kurnia, T. A. ., & Satibi, M. (2025). Enhancing MSME Sustainability through Financial Literacy and Financial Technology Adoption: Empirical Evidence from Serang City, Indonesia. Journal of Applied Business, Taxation and Economics Research, 5(1), 170–181. https://doi.org/10.54408/jabter.v5i1.534