DJ, A. A., Mas’ud, A. A., & Tenriyola, A. P. (2026). Human Resource Competence and Digital Payment Adoption in MSMEs: An Extended TAM Framework. Jurnal Manajemen Dan Kewirausahaan, 14(1), 16–28. https://doi.org/10.26905/jmdk.v14i1.16323