Nugroho, R. Y. Y., & Adiyanto, M. R. (2025). Digital payment adoption and managerial preferences in Madura’s culinary tourism sector: Evidence from the analytic hierarchy process. Jurnal Perspektif Pembiayaan Dan Pembangunan Daerah, 13(4), 414–429. https://doi.org/10.22437/ppd.v13i4.39655