DJ, Arifhan Ady; MAS’UD, Anis Anshari; TENRIYOLA, Andi Putri. Human Resource Competence and Digital Payment Adoption in MSMEs: An Extended TAM Framework. Jurnal Manajemen dan Kewirausahaan, [S. l.], v. 14, n. 1, p. 16–28, 2026. DOI: 10.26905/jmdk.v14i1.16323. Disponível em: https://jurnal.unmer.ac.id/index.php/jmdk/article/view/16323. Acesso em: 4 jul. 2026.