Hasbullah A Arief Madani, Fariska Wahyuni, Fadali Rahman, Gazali Gazali. Transformasi Digital dalam Manajemen UMKM: Integrasi E-Commerce, Fintech, dan Data Driven Decision Making dalam Meningkatkan Daya Saing. jmcbus [Internet]. 2026 Jul. 8 [cited 2026 Jul. 13];4(3):804-16. Available from: https://jurnaluniv45sby.ac.id/index.php/jmcbus/article/view/7109