Abelia , Fajroyur Rohman, and Hwihanus Hwihanus. “The Impact of E-Wallet Usage on the Financial Efficiency of MSMEs in Masalembu District”. International Conference On Economics Business Management And Accounting (ICOEMA) 4, no. 1 (July 28, 2025): 1104-1108. Accessed February 14, 2026. https://conference.untag-sby.ac.id/index.php/icoema/article/view/5687.