Gultom, Hamonangan Justinus. “Driving Digital Finance in Startups: The Mediating Effects of Corporate Governance, Financial Literacy, and Technological Innovation”. Jurnal Ilmiah Akuntansi Kesatuan 13, no. 6 (December 31, 2025): 2141–2154. Accessed June 5, 2026. https://jurnal.ibik.ac.id/index.php/jiakes/article/view/4175.