Wibowo M, Aumeboonsuke V. Bank Financial Capability on MSME Lending Amid Economic Change and The Growth of Fin-Tech Companies in Indonesia. TWE [internet]. 2020 Jul. 14 [cited 2025 Dec. 8];38(2):63-87. available from: https://so05.tci-thaijo.org/index.php/TER/article/view/237384