HARYADI, Bambang; HAMAT, Zahri; ADNAN, Nurul Ilyana Muhd; LATIFAH, Lyna; ANGRAINI, Merie Satya. The Influence of Financial Inclusion, Financial Literacy, and Financial Behavior on MSME Financial Performance: The Moderating Role of Financial Technology Adoption in Indonesia and Malaysia. Journal of Cultural Analysis and Social Change, [S. l.], v. 10, n. 2, p. 1829–1842, 2025. DOI: 10.64753/jcasc.v10i2.1879. Disponível em: https://jcasc.com/index.php/jcasc/article/view/1879. Acesso em: 14 jan. 2026.