ZULKIFLI, Afni; HERLINDA, Dwi; RUSLYHARDY, Ruslyhardy; RIFALDI, M; MARSHANDA, Yohana Widya. Digital Transformation of BPJS Ketenagakerjaan: Innovations in JMO, E-Money, and SMILE to Enhance Service Effectiveness and Responsiveness. APLIKATIF: Journal of Research Trends in Social Sciences and Humanities, [S. l.], v. 3, n. 2, p. 218–230, 2024. DOI: 10.59110/aplikatif.v3i2.535. Disponível em: https://www.rcsdevelopment.org/index.php/aplikatif/article/view/535. Acesso em: 21 sep. 2025.