Sipayung, T. , Sriwijayanti, E. , Munthe, R. and Okto Posmaida Damanik, E. 2023. The Effect of The Use of Debit Cards and Electronic Money (E-Money) on Public Consumption Expenditures in Pematangsiantar City. KnE Social Sciences. 8, 4 (Mar. 2023), 728–73. DOI:https://doi.org/10.18502/kss.v8i4.12967.