Randy A. Cruz, R.A.C. (2025) “Digital Payment Capability, Trust, and Sales Growth among Philipphines Micro‑Retailers: The Moderating Role of Financial Literacy”, Oikonomia Review: Journal of Economics, Management, and Accounting, 1(1), pp. 27–33. Available at: https://ejournal.kalampractica.com/index.php/oikonomia/article/view/45 (Accessed: 4 March 2026).