Syafira, T., Kesuma, S. A., Erwin, K., & Nasution , F. N. (2026). Digitalization of SMEs Using Financial Technology: A Systematic Literature Review. PESHUM : Jurnal Pendidikan, Sosial Dan Humaniora, 5(4), 10323–10333. https://doi.org/10.56799/peshum.v5i4.16484