Hendrawan, Muhammad Ridho Nur Alamsyah, Shofi Arofatul Marits, and Sebastian Herman. “Development of Digital Payment Systems in Indonesia”. Jurnal Ilmiah Manajemen Kesatuan 11, no. 3 (December 1, 2023): 1335–1344. Accessed June 4, 2026. https://jurnal.ibik.ac.id/index.php/jimkes/article/view/2328.