Sinaga, Mahaitin H, Wico J Tarigan, and Sri Martina. “Analysis Of the Influence of Financial Technology Peer-To-Peer (P2P) Lending and Payment Gateway on The Financial Performance Of MSMES In Pematangsiantar City”. Jurnal Ilmiah Accusi 7, no. 2 (November 22, 2025): 434–450. Accessed December 7, 2025. https://jurnal.usi.ac.id/index.php/jia/article/view/2060.