Sipayung, Tuahman, Eva Sriwijayanti, Risma Munthe, and Elvina 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 8, no. 4 (March 3, 2023): 728–73. Accessed April 19, 2024. https://knepublishing.com/index.php/KnE-Social/article/view/12967.