Rakesh Sitepu, Sri Fitria Jayusman, Sari Wulandari, Debbi Chyntia Ovami, and Serli Yuli Marlina, “THE ROLE OF FINANCIAL TECHNOLOGY INNOVATION (FINTECH) IN IMPROVING THE OPERATIONAL EFFICIENCY OF MSMES IN BINTAN REGENCY”, IJEBAS, vol. 6, no. 2, pp. 757–767, May 2026.