Bahasoan, Awal Nopriyanto, Wahdaniah Wahdaniah, Muh. Faisalrahmat, Yuspina Tandilintin, and Yeni Pratiwi Bulo. 2026. “Digital Payment Adoption and MSME Competitiveness in Indonesia: The Roles of Transaction Efficiency, Financial Inclusion, and Business Performance”. Jurnal Ilmiah Multidisiplin Indonesia (JIM-ID) 5 (07):1783-98. https://ejournal.seaninstitute.or.id/index.php/esaprom/article/view/8787.