Paputungan, W., Y. Sudaryo, N. A. Sofiati, A. Suryaningprang, and R. N. Sumawidjaja. “Influence Financial Technology, E-Commerce Adoption, and Entrepreneurial Skills on Financial Performance MSMEs With Financial Literacy and Trust As Variables Mediation Studies Cases in North Sulawesi MSMEs: Indonesia”. JURNAL ECONOMINA, vol. 5, no. 8, Aug. 2026, pp. 4769-81, doi:10.55681/economina.v5i8.3765.