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 18, 2026): 222–238. Accessed October 25, 2026. https://amhinternational.com/imbr/article/view/4915-fintech-financing-platforms-and-bank-lending-to-smes-in-malaysia-complements-or-substitutes.