Gama, A. W. S., G. P. Tahu, I. N. Suardhika, P. I. L. Putri, D. N. S. Pratiwi, and N. M. P. D. Utami. “Does Financial Literacy Contribute to the Increased Utilization of Digital Transactions by MSMEs?”. Philippine Social Science Journal, Vol. 8, no. 2, Nov. 2025, p. 28, doi:10.52006/main.v8i2.1300.