Analysis of Digital Payment and Financial Literacy as Instruments for Improving Financial Accountability and Business Performance in Modern Coffee Shops in Central Java. West Science Accounting and Finance, [S. l.], v. 4, n. 02, p. 167~179, 2026. DOI: 10.58812/wsaf.v4i02.2978. Disponível em: https://wsj.westsciences.com/index.php/wsaf/article/view/2978. Acesso em: 1 aug. 2026.