1.
Lonna R, Azizah U.A S, Sukresna IM. Digital payment transformation: a strategic differentiator in indonesia’s microfinance innovation. Arthatama [Internet]. 2025 Jun. 6 [cited 2026 Sep. 1];9(1):147-64. Available from: https://journal.lifescifi.com/index.php/art/article/view/655