“E-Money And Its Potential To Change The Role Of Cash In The Payment System: Opportunities And Challenges” (2024) International Conference on Islamic Economics (ICIE), 1(1), hlm. 167–176. Tersedia pada: https://proceeding.uingusdur.ac.id/index.php/icie/article/view/2546 (Diakses: 23 September 2026).