Esa Kurniawan, Imam Fathurahman, and Novira Dian Antasari. 2026. “A Smart Decision Model for MSME Investments on Islamic Fintech Platforms: Integrating PSI and SWOT Methods”. IJoICT (International Journal on Information and Communication Technology) 11 (2):189-200. https://doi.org/10.21108/ijoict.v11i2.10067.