Randy A. Cruz, Randy A. Cruz. “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, vol. 1, no. 1, Sept. 2025, pp. 27-33, https://ejournal.kalampractica.com/index.php/oikonomia/article/view/45.