Human Resource Competence and Fintech Adoption among Maluku MSMEs: Digital Literacy as Mediator. West Science Interdisciplinary Studies, [S. l.], v. 4, n. 04, p. 652–665, 2026. DOI: 10.58812/wsis.v4i04.2805. Disponível em: https://wsj.westsciences.com/index.php/wsis/article/view/2805. Acesso em: 6 may. 2026.