ZENDRATO, A.; HULU, P. F.; ZEBUA, S.; BATE’E, M. M. Pengaruh Penerapan Financial Technology Terhadap Keberlangsungan Usaha UMKM di Jalan Sirao, Kecamatan Gunungsitoli. RIGGS: Journal of Artificial Intelligence and Digital Business, [S. l.], v. 4, n. 3, p. 3303–3325, 2025. DOI: 10.31004/riggs.v4i3.2456. Disponível em: https://journal.ilmudata.co.id/index.php/RIGGS/article/view/2456. Acesso em: 31 jan. 2026.