Riddick Loowi, Rafida Khairani, and Debbi Chyntia Ovami. “Digital Payment Use and MSME Performance: Evidence from QRIS and E-Wallets in Medan, Indonesia”. Journal of Finance Integration and Business Independence 2, no. 2 (November 5, 2026): 1–11. Accessed November 5, 2026. https://nafasjournal.com/index.php/fibi/article/view/119.