“E-Money And Its Potential To Change The Role Of Cash In The Payment System: Opportunities And Challenges”, icie, vol. 1, no. 1, hlm. 167–176, Okt 2024, Diakses: 15 September 2026. [Daring]. Tersedia pada: https://proceeding.uingusdur.ac.id/index.php/icie/article/view/2546