“THE ROLE OF FINANCIAL TECHNOLOGY IN ENHANCING THE EFFICIENCY OF FINANCIAL PERFORMANCE: AN APPLIED STUDY ON A SAMPLE OF SMALL AND MEDIUM ENTERPRISES”, Wor.econo. and fin. Bul., vol. 9, pp. 40–50, Apr. 2022, Accessed: Jul. 14, 2026. Available: https://scholarexpress.net/index.php/wefb/article/view/780