YULIYANTI, Eka. Digital transformation of Pegadaian’s gold pawn services as a strategy to enhance financial inclusion and MSME competitiveness. Journal of Economic, Business & Accounting Research, [S. l.], v. 4, n. 2, p. 163–182, 2026. DOI: 10.61511/jembar.v4i2.2027.3408. Disponível em: https://journal-iasssf.com/index.php/JEMBAR/article/view/3408. Acesso em: 10 nov. 2026.