<![CDATA[Abstract This conceptual and integrative review develops a framework for cybersecurity governance in digital finance in micro, small, and medium enterprises. It addresses the problem that digital financial services improve speed and access while exposing MSMEs to credential theft, payment fraud, weak third-party controls, and disruptive security incidents. Drawing on the resource-based view, dynamic capabilities, organizational learning, absorptive capacity, social capital, and resilience, the paper explains how risk-based access control, transaction verification, vendor assurance, incident response discipline, security learning routines can be organized as mutually reinforcing routines. The proposed pathway moves from problem diagnosis and capability mapping to bounded experimentation, evidence review, resource reconfiguration, and learning retention. No primary survey, interview, experimental, administrative, or statistical data are claimed. The framework links these mechanisms to transaction integrity, service continuity, user confidence, controlled exposure, cyber resilience and identifies managerial, institutional, and research implications suitable for resource-constrained enterprises.]]>
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