Zulkifli, Afni, et al. “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, vol. 3, no. 2, Dec. 2024, pp. 218-30, doi:10.59110/aplikatif.v3i2.535.