Desy Candra Novitasari and Wisma Miftahur Rozi 2026. Digital Pain Points: Analyzing Technology Barriers and Ai Companion Needs Among Micro-Enterprises In Jalan Tunjungan Surabaya. Al-Kharaj: Journal of Islamic Economic and Business. 7, 4 (Jan. 2026). DOI:https://doi.org/10.24256/kharaj.v8i1.9052.