Khalik, M. R. ., and W. O. . Rayyani. “Analysis of Digital Payment Adoption and Financial Management Among Traditional Market Traders in Cidu Market”. Jurnal Kecerdasan Buatan Dan Pembelajaran Mesin, vol. 1, no. 2, July 2026, pp. 15-27, doi:10.35912/jkbpm.v1i2.7048.