TRANSFORMASI KOMPETITIF UMKM: INVESTIGASI KUALITATIF PERAN KOMPETENSI DIGITAL, BUDAYA ORGANISASI, DAN SISTEM INFORMASI AKUNTANSI. Indo-Fintech Intellectuals: Journal of Economics and Business, [S. l.], v. 5, n. 4, p. 6570–6577, 2025. DOI: 10.54373/ifijeb.v5i4.3953. Disponível em: https://ejournal.indo-intellectual.id/index.php/ifi/article/view/3953. Acesso em: 12 aug. 2026.