Hakiki R, Delianti VI, Marta R, Cabanillas-García JL, Slavov VD, Jalil S ‘Afiat. Smart Financial Management for Cooperatives: A Web and Payment Gateway Integration Approach. J. Hypermedia Technol. Enhanc. Learn. [Internet]. 2025 Jan. 15 [cited 2026 Feb. 20];3(1):16-3. Available from: https://edutech-journals.org/index.php/j-hytel/article/view/161