Islam , K. M. Anwarul. 2026. “DIGITAL PAYMENT SYSTEMS AND THE PERFORMANCE OF SMALL AND MEDIUM ENTERPRISES: THE MEDIATING ROLE OF TRANSACTION EFFICIENCY IN FINANCIAL INCLUSION AND INCLUSIVE ECONOMIC GROWTH”. International Journal of Small and Medium Enterprises 9 (1): 25-36. https://doi.org/10.46281/ijsmes.v9i1.2968.