“Pengambilan Keputusan Adopsi Pembayaran Digital Pada UMKM: Studi Kasus Toko Bibit Trenggalek”. Jurilma 3, no. 1 (June 1, 2026): 68–81. Accessed September 19, 2026. https://ejournal.rizaniamedia.com/index.php/jurilma/article/view/561.