Besides finishing the background and shoes I would fix The values in the shirt, areas near the fold and wrinkles etc. need to be darker for example,
And shirt and chest don’t seem to align
Her arms seem to be a little but bigger to fix that or more angled towards her chest. Then just more detail on the bracelet other than that it’s great!
That’s how I started out too I prefer drawing on paper I suggest just watching a lot of videos on it and you have to practice no matter how annoying it gets.