Muammar Khaddafi, Hilmi, Rico Nur Ilham, Frengki Putra Ramansyah, and Thasrif Murhadi, “ADOPTION OF ERP ( ENTERPRISE RESOURCE PLANNING ), CLOUD COMPUTING, AND BLOCKCHAIN PROMOTES TRANSPARENCY AND EFFICIENCY OF FINANCIAL GOVERNANCE IN STATE-OWNED ENTERPRISES IN INDONESIA”, IJSET, vol. 5, no. 8, Jul. 2026.