DIGITAL GOVERNANCE AND FINANCIAL CAPABILITY AS A STRATEGIC MODEL FOR MSME BUSINESS RESILIENCE IN THE INTELLIGENT ECONOMY. Proceeding of International Conference on Economics, Technology, Management, Accounting, Education, and Social Science (ICETEA), [S. l.], v. 2, p. 73–85, 2026. Disponível em: https://conference.unita.ac.id/index.php/icetea/article/view/782. Acesso em: 12 oct. 2026.