Azhari, Munir, Wiwit Damayanti, Feriandy Feriandy, and Haspul Naser. 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.