Rakesh Sitepu, Sri Fitria Jayusman, Sari Wulandari, Debbi Chyntia Ovami, Serli Yuli Marlina. THE ROLE OF FINANCIAL TECHNOLOGY INNOVATION (FINTECH) IN IMPROVING THE OPERATIONAL EFFICIENCY OF MSMES IN BINTAN REGENCY. IJEBAS [Internet]. 2026 May 20 [cited 2026 May 21];6(2):757-6. Available from: https://radjapublika.com/index.php/IJEBAS/article/view/5572