Hidayat, R. 2025. The Strategic Role of E-Payment in Linking Sharia Financial Literacy, Financial Behavior, and MSME Welfare in Sulawesi Barat. Journal of Advances in Accounting, Economics, and Management. 3, 1 (Sep. 2025), 10. DOI:https://doi.org/10.47134/aaem.v3i1.901.