Putranto, Diyan, Fransiscus Amonio Halawa, Rintis Eko Widodo, Fahmi Setiawan, and Budi Nurhamdani Ajizi. 2025. “The Digital Collateral Substitute: Modelling Supply Chain Finance (SCF) As a Catalyst for MSME Quality Standardization and Stable Sourcing in the Hotel F&B Supply Chain”. RIGGS: Journal of Artificial Intelligence and Digital Business 4 (4):1864-74. https://doi.org/10.31004/riggs.v4i4.3712.