Candelia, D.E. and Maulana, L.A. 2026. Virtual gold locker (VGL) as a digital innovation in gold pawn services: An analysis of opportunities, challenges, and its impact on user behavior. Journal of Entrepreneurial Economics. 3, 2 (Aug. 2026), 177–192. DOI:https://doi.org/10.61511/jane.v3i2.2026.3398.