IMAN SUPRIADI; MOCHAMAD FATCHURROHMAN; RAHMA ULFA MAGHFIROH; RUKHUL ABADI. Behavioral Pattern Discovery for Fintech Strategy: Naïve Bayes Analysis of Digital Payment Sentiments. Jurnal Inovasi Bisnis Manajemen dan Akuntansi, [S. l.], v. 4, n. 2, p. 141–157, 2026. DOI: 10.65255/jibma.v4i2.305. Disponível em: https://journal.inovatif.co.id/index.php/jibma/article/view/305. Acesso em: 10 jun. 2026.