“The Influence of Embedded Finance, QRIS Usage, and Digital Financial Literacy on MSME Financial Resilience” (2026) GENTARA: management and accounting research, 1(2), hlm. 177–192. Tersedia pada: https://journal.gentara.unipol.ac.id/index.php/gentara/article/view/41 (Diakses: 17 Agustus 2026).