PAIN OF PAYING DAN KEUANGAN DIGITAL: SUATU STUDI LITERATUR. AL-MUQADDIMAH [Internet]. 2026 Jan. 2 [cited 2026 Mar. 25];2(1):13-20. Available from: https://jurnal-muqaddimah.or.id/index.php/Al-Muqaddimah/article/view/40