Saputra, Moh. Alldy, Hilman Tsani Rantisi, and Muhammad Khuzaimah Haidar Fawwaz. “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 5, no. 2 (May 14, 2026): 2719–2727. Accessed June 9, 2026. https://journal.ilmudata.co.id/index.php/RIGGS/article/view/8883.