Ringkuangan, Anggraini. “E-Money, Ease of Transaction, Consumptive Behavior: Uang Elektronik, Kemudahan Transaksi, Perilaku Konsumtif”. Jurnal Equilibrium 2, no. 2 (August 31, 2021). Accessed December 6, 2025. https://jurnal.unima.cc/index.php/equilibrium/article/view/2850.