Aliyya Aliyya, Hernanda Alfioni, & Liana Mega Ristyani Bekti. (2026). When Digital Finance Becomes a Gatekeeping System: Rethinking MSME Inclusion and Business Survival. Wawasan : Jurnal Ilmu Manajemen, Ekonomi Dan Kewirausahaan, 4(2), 465–478. https://doi.org/10.58192/wawasan.v4i2.4409