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“SMALL AND MEDIUM-SIZED BUSINESSES (SMES) IN ASIAN NATIONS CAN BENEFIT FROM FINTECH’S EFFICIENT SOLUTIONS” (2023) American Journal of Business Management, Economics and Banking, 13, pp. 118–122. Available at: https://americanjournal.org/index.php/ajbmeb/article/view/1017 (Accessed: 2 October 2026).