Azhari, M., Damayanti, W., Feriandy, F., & Naser, H. (2025). Why Are Micromerchants Still Reluctant To Use Digital Payments? Case Study: South Jakarta Msmes. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, 13(2), 1385–1396. https://doi.org/10.37676/ekombis.v13i2.7190