Mudmainah ADS, Basuki K. The Impact Of Peer To Peer Lending And Payment Gateways On Msme Performance Is Moderated By Product Innovation. jrssem [Internet]. 2023 Jul. 12 [cited 2025 Dec. 5];2(12):2857 – 2867. Available from: https://jrssem.publikasiindonesia.id/index.php/jrssem/article/view/504