Damarsiwi, E., A. Prawitasari, and N. Indriasari. “Digital Payment and Financial Technology: Their Impact on the Financial Performance of MSMEs in Yogyakarta”. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, Vol. 14, no. 3, July 2026, pp. 3345-58, doi:10.37676/ekombis.v14i3.11866.