SYAFIRA, Thalita; KESUMA, Sambas Ade; ERWIN, Keulana; NASUTION , Fahmi Natigor. Digitalization of SMEs Using Financial Technology: A Systematic Literature Review. PESHUM : Jurnal Pendidikan, Sosial dan Humaniora, [S. l.], v. 5, n. 4, p. 10323–10333, 2026. DOI: 10.56799/peshum.v5i4.16484. Disponível em: https://al-haramjournal.co.id/PESHUM/article/view/16484. Acesso em: 7 aug. 2026.