AFFANDI, M. F.; NURROHMAN, M. F.; WAHJONO, S. I. Analisis Pengaruh Fintech OVO terhadap Kemudahan Transaksi Jual Beli bagi UMKM di Era Digital. Journal of Innovative and Creativity, [S. l.], v. 5, n. 2, p. 3514–3529, 2025. DOI: 10.31004/joecy.v5i2.576. Disponível em: https://joecy.org/index.php/joecy/article/view/576. Acesso em: 17 oct. 2026.