Pamungkas, Rezi Panji, Nur Laely, and Angga Rizka Lidiawan. “The Impact of Digital Banking Technology Development on MSME Growth in Sidoarjo Regency”. INVEST : Jurnal Inovasi Bisnis dan Akuntansi 6, no. 2 (August 9, 2025): 350-358. Accessed August 20, 2025. http://journal.al-matani.com/index.php/invest/article/view/1490.