SHARMA, Dhruv. Adoption of Digital Payment Systems Among Semi-Urban MSMEs: Barriers, Enablers, and Working Capital Outcomes. Journal of Emerging Multidisciplinary Research, [S. l.], v. 2, n. 3, p. 06–10, 2026. Disponível em: https://journals.koshubhresearchfoundation.org/index.php/jemr/article/view/18. Acesso em: 24 sep. 2026.