Beyond Financial Capital: How Intellectual Capital, Competitive Advantage, and Fintech Shape Financial Performance in Creative Industry SMEs. Journal of Business, Accounting and Information Technology, [S. l.], v. 1, n. 3, p. 108–120, 2026. DOI: 10.5281/zenodo.21791616. Disponível em: https://jbait.org/index.php/jbait/article/view/17. Acesso em: 13 sep. 2026.