Prayitno, La Ode Muhammad Yudhy, La Ode Muhammad Golok Jaya, and Asa Hari Wibowo. 2026. “Automated MSME Bookkeeping Using Vision-Language Models and Hierarchical Multi-Agent Systems”. RIGGS: Journal of Artificial Intelligence and Digital Business 5 (2):10896-912. https://doi.org/10.31004/riggs.v5i2.10269.