PRADESA, Endar; PUTRI , Metha Aditya; NURFAIZA , Salma Nadea; SAPUTRA , Reza. The Influence Of Financial Literacy, Fintech-Based Payment Gateways, And The Adoption Of Software As A Service Cloud Accounting Services On The Performance Of Msmes. Journal of Management, Economic, and Accounting, [S. l.], v. 5, n. 1, p. 145–156, 2026. DOI: 10.37676/jmea.v5i1.1079. Disponível em: https://jurnalunived.com/index.php/JMEA/article/view/1079. Acesso em: 9 jul. 2026.