Iman Supriadi et al. 2026. Behavioral Pattern Discovery for Fintech Strategy: Naïve Bayes Analysis of Digital Payment Sentiments. Jurnal Inovasi Bisnis Manajemen dan Akuntansi. 4, 2 (May 2026), 141–157. DOI:https://doi.org/10.65255/jibma.v4i2.305.