[1]
“DIGITAL PAYMENT FRAUD RECOVERY IN SMALL ENTERPRISES: A GOVERNANCE MODEL FOR DETECTION, CUSTOMER RESPONSE, AND CONTROL RENEWAL”, JESOCIN, vol. 2, no. 10, pp. 12–21, Oct. 2025, Accessed: Oct. 09, 2026. [Online]. Available: https://jesocin.com/index.php/jesocin/article/view/122