KARMAWAN, Karmawan. Business Models, Fintech, Investment Decisions, and Challenges in Bangka Belitung Islands Province. International Journal of Management Science and Information Technology, [S. l.], v. 5, n. 1, p. 218–225, 2025. DOI: 10.35870/ijmsit.v5i1.3793. Disponível em: https://journal.lembagakita.org/index.php/IJMSIT/article/view/3793. Acesso em: 7 oct. 2025.