SATYAPUTRA, Azhar Khairaan. The Role of IoT in Smart Payment and Digital Transformation to Improve Transaction Security and Efficiency: A Systematic Literature Review . International Conference on Digital Business Innovation and Technology Management (ICONBIT), [S. l.], v. 1, n. 2, 2025. Disponível em: https://proceeding.unesa.ac.id/index.php/iconbit/article/view/4926. Acesso em: 5 sep. 2025.