SIDDIQI, Moh Fakhri; FAJRIA, Nur. A Comparative Analysis of Transaction Efficiency and Customer Satisfaction Based on Digital and Non-Digital Payment Systems in SMEs. JURNAL EKONOMI KREATIF DAN MANAJEMEN BISNIS DIGITAL, [S. l.], v. 4, n. 4, p. 802–816, 2026. DOI: 10.55047/jekombital.v4i4.1193. Disponível em: https://transpublika.co.id/ojs/index.php/JEKOMBITAL/article/view/1193. Acesso em: 5 jul. 2026.