[1]
E. Ermaini, M. A. Muhtadi, and R. E. Arini, Trans., “Analysis of Digital Payment and Financial Literacy as Instruments for Improving Financial Accountability and Business Performance in Modern Coffee Shops in Central Java”, WSAF, vol. 4, no. 02, p. 167~179, Jul. 2026, doi: 10.58812/wsaf.v4i02.2978.