Sudrajat, Bagas, Destarika Irene Johan, Amie Kusumawardhani, and Farida Indriani. “The Utilization of Artificial Intelligence for Financial Inclusion and Business Sustainability Among MSME Operators: Literature Review”. Research Horizon 4, no. 6 (December 9, 2024): 35–42. Accessed April 20, 2026. https://lifescifi.com/journal/index.php/RH/article/view/390.