Widjayanti, C. E., Adawiyah, W. R., Sudarto, S., Najmudin, N., & Laksana, R. D. (2026). Digital Transformation of MSME Finance: The Role of Digital Financial Literacy, Digital Lifestyle, and Saving Decisions in Digital Banks (SDB) for Business Resilience. Journal The Winners. Retrieved from https://journal.binus.ac.id/index.php/winners/article/view/14646