THE INFLUENCE OF ENTREPRENEURIAL GRIT, COGNITIVE FLEXIBILITY, DIGITAL PAYMENT ADOPTION, AND INFORMAL NETWORKING ON MSME GROWTH IN INDONESIA. Indo-Fintech Intellectuals: Journal of Economics and Business, [S. l.], v. 5, n. 3, p. 6359–6370, 2025. DOI: 10.54373/ifijeb.v5i3.3231. Disponível em: https://indo-intellectual.id/index.php/ifi/article/view/3231. Acesso em: 25 jun. 2026.