LAZUARDI, Y.; MARGARETA, E. S. The influence of financial literacy, the use of peer to peer lending, and payment gateways on the financial performance of MSMES in Lamongan Regency. Indonesia Accounting Research Journal, [S. l.], v. 12, n. 4, p. 193–202, 2025. DOI: 10.35335/iacrj.v12i4.463. Disponível em: https://journals.iarn.or.id/index.php/Accounting/article/view/463. Acesso em: 14 jul. 2026.