BALDE, T. A.; RAHADJENG, E. R. Digital Payment Adoption, Operational Efficiency, and SME Financial Performance: A Systematic Evidence Review. JMET: Journal of Management Entrepreneurship and Tourism, [S. l.], v. 4, n. 2, p. 142–157, 2026. DOI: 10.61277/jmet.v4i2.314. Disponível em: https://skillerindonesia.id/index.php/jmet/article/view/314. Acesso em: 15 jul. 2026.