DIGITAL PAYMENT FRAUD RECOVERY IN SMALL ENTERPRISES: A GOVERNANCE MODEL FOR DETECTION, CUSTOMER RESPONSE, AND CONTROL RENEWAL. Journal of Jabar Economic Society Networking Forum, [S. l.], v. 2, n. 10, p. 12–21, 2025. Disponível em: https://jesocin.com/index.php/jesocin/article/view/122.. Acesso em: 25 aug. 2026.