Ramdhan, Nur’Asyiqin, Rohanizan Md Lazan, and Norsaliza Abu Bakar. “FinTech Financing Platforms and Bank Lending to SMEs in Malaysia: Complements or Substitutes”. Information Management and Business Review 18, no. 3(I) (September 16, 2026): 222-238. Accessed October 17, 2026. https://ojs.amhinternational.com/index.php/imbr/article/view/4864.