Ramdani, A., D. P. E. Saerang, and N. S. Budiarso. “The Effect of Financial technology–digital Payment Systems on Business Profitability of MSMEs in Ternate City”. The Contrarian : Finance, Accounting, and Business Research, vol. 5, no. 1, Mar. 2026, pp. 26-37, doi:10.58784/cfabr.371.