“The Influence of Embedded Finance, QRIS Usage, and Digital Financial Literacy on MSME Financial Resilience”, GENTARA, vol. 1, no. 2, hlm. 177–192, Jun 2026, Diakses: Agu 17, 2026. Tersedia pada: https://journal.gentara.unipol.ac.id/index.php/gentara/article/view/41