Hamzah, A., 		Yusuf, A., & 		Anggraena, D.
(2026).
 The Effect of Digital Payments, Financial Literacy, Financial Access, and Mental Accounting on Microenterprise Performance.
<em>Jurnal Cendekia Keuangan, 5</em>(2), 76-88.
doi:10.32503/jck.v5i2.9251