Halim, A. I. M., Muhammad, A. F., Nitswat, N., & Ardi, N. A. H. (2025). The Pattern of Financial Management and Challenges Faced by Digital Startups in Indonesia: an Accounting and Financial Technology Perspective . Economics and Business Journal (ECBIS), 3(4), 437–448. https://doi.org/10.47353/ecbis.v3i4.215