Siregar, F. A., Kristin, O. V., Lubis, N. B., Indah, A. N., Sembiring, O., & Harahap, L. M. (2026). Transformasi Digital dan Strategi Adaptasi UMKM dalam Menghadapi Era Ekonomi Digital di Indonesia. SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business, 9(2), 854-864. https://doi.org/10.37481/sjr.v9i2.1490