HAKIKI, R.; DELIANTI, V. I.; MARTA, R.; CABANILLAS-GARCÍA, J. L.; SLAVOV, V. D.; JALIL, S. ‘Afiat. Smart Financial Management for Cooperatives: A Web and Payment Gateway Integration Approach. Journal of Hypermedia & Technology-Enhanced Learning, [S. l.], v. 3, n. 1, p. 16–36, 2025. DOI: 10.58536/j-hytel.161. Disponível em: https://edutech-journals.org/index.php/j-hytel/article/view/161. Acesso em: 19 feb. 2026.