R. Usman, A. I. Ibrahim, M. R. Palawa, D. F. P. Setiawan, S. S. Hamdani, and D. Syafitri, “Payment System Management to Prevent Fraud in Micro, Small, and Medium Enterprises (MSMEs) at Disa Olshop”, IJHESS, vol. 7, no. 4, p. 1637~1641, Oct. 2025.