CANDELIA, Dera Eka; MAULANA, Lukman Aditya. 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, [S. l.], v. 3, n. 2, 2026. DOI: 10.61511/jane.v3i2.2026.3398. Disponível em: https://www.journal-iasssf.com/index.php/JANE/article/view/3398. Acesso em: 19 aug. 2026.