Sipayung, T., E. Sriwijayanti, R. Munthe, and E. Okto Posmaida Damanik. “The Effect of The Use of Debit Cards and Electronic Money (E-Money) on Public Consumption Expenditures in Pematangsiantar City”. KnE Social Sciences, Vol. 8, no. 4, Mar. 2023, pp. 728–73, doi:10.18502/kss.v8i4.12967.