Z, Hatta; KURNIAWAN, Jonathan. Ethical and Privacy Governance Dimensions in the Adoption of Digital Payment Systems in the MSME Sector. Business System & Innovation Journal, Tembilahan, Indonesia, v. 1, n. 3, p. 114–129, 2026. DOI: 10.67955/bsij.v1i3.35. Disponível em: https://jurnalyfatra.com/index.php/bsij/article/view/35. Acesso em: 2 nov. 2026.