SAPUTRA, Moh. Alldy; RANTISI, Hilman Tsani; FAWWAZ, Muhammad Khuzaimah Haidar. Transformasi Digital UMKM dan Ketahanan Ekonomi Lokal: Analisis Adopsi Fintech, Literasi Digital, dan Daya Saing Usaha Mikro di Era Pasca Pandemi Indonesia 2023-2025. RIGGS: Journal of Artificial Intelligence and Digital Business, [S. l.], v. 5, n. 2, p. 2719–2727, 2026. DOI: 10.31004/riggs.v5i2.8883. Disponível em: https://journal.ilmudata.co.id/index.php/RIGGS/article/view/8883. Acesso em: 9 jun. 2026.