YUTTAMA, Faizal Rizky; LUBIS, Yusniar; TONI, Nagian. Financial Digitalization and Literacy in MSMEs Financial Decision-Making: The Mediating Role of Self-Efficacy. Proceedings of the International Conference GLOBE Forum , [S. l.], v. 1, n. 1, p. 53–72, 2026. Disponível em: https://ejournal.uhb.ac.id/index.php/globeforum/article/view/2441. Acesso em: 23 sep. 2026.