MAULANA, V.; DUHA, T.; BATE’E, M. M.; TELAUMBANUA, A. Pengaruh Financial Technology dan Inklusi Keuangan terhadap Perkembangan UMKM Sektor Kreatif di Kota Gunungsitoli. RIGGS: Journal of Artificial Intelligence and Digital Business, [S. l.], v. 4, n. 3, p. 3672–3685, 2025. DOI: 10.31004/riggs.v4i3.2530. Disponível em: https://journal.ilmudata.co.id/index.php/RIGGS/article/view/2530. Acesso em: 31 jan. 2026.