Nugroho, L. (2024) “Digital financial innovation’s urgency for micro, small, and medium-sized entrepreneurs (an empirical case study of Indonesia)”, Proceeding International Annual Conference Economics, Management, Business, and Accounting, 1(1), pp. 221–231. Available at: https://proceeding.inacemba.id/index.php/eproceeding-inacemba/article/view/13 (Accessed: 10 March 2026).