Financial Discipline Mediation: A Study Of Financial Literacy And The Use Of Fintech On Small And Medium Business Performance. International Journal of Environmental Sciences, [S. l.], p. 1634–1650, 2025. DOI: 10.64252/zaxs2y54. Disponível em: https://theaspd.com/index.php/ijes/article/view/6768.. Acesso em: 6 aug. 2026.