Sukriyah, Sukriyah, Bambang Suhartono, Firdaus Putra, Nelson Silitonga, and Gusli Chidir. “Digital Transformation in MSME Financial Management: Qualitative Evidence from Banten, Indonesia”. Journal of Information Systems and Management (JISMA) 5, no. 1 (January 6, 2026): 1–14. Accessed January 14, 2026. https://jisma.org/index.php/jisma/article/view/1238.