LONNA, Revi; AZIZAH U.A, Siti; SUKRESNA, I Made. Digital payment transformation: a strategic differentiator in indonesia’s microfinance innovation. Arthatama: Journal of Business Management and Accounting, [S. l.], v. 9, n. 1, p. 147–164, 2025. DOI: 10.54518/art.9.1.2025.655. Disponível em: https://lifescifi.com/journal/index.php/art/article/view/655. Acesso em: 15 oct. 2026.