STRATEGY FACTORS TO STRENGTHEN ACCESS TO MSME FINANCING THROUGH IOT INTEGRATION TO INCREASE COMPETITIVENESS: TOE FRAME APPROACH
Arbiya Magfiroh Rohmi; Sriyono Sriyono
Objective: Access to financing is a critical factor for Micro, Small, and Medium Enterprises (MSMEs) to enhance business capacity and competitiveness; however, it remains a major challenge in Indonesia. This study aims to analyze the roles of tech...