YUDIANTO, A.; LATTE, J. Adoption of Digital Payment Systems and its Effect on Financial Efficiency of Micro Enterprises in Rural Areas. Jurnal Ilmiah Manajemen Kesatuan, [S. l.], v. 14, n. 1, p. 279–288, 2026. DOI: 10.37641/jimkes.v14i1.4605. Disponível em: https://jurnal.ibik.ac.id/index.php/jimkes/article/view/4605. Acesso em: 6 jul. 2026.