Ramadhan, Bintang Dwika, and Birgitta Dian Saraswati. “Pengaruh Pembayaran Non Tunai Dan Era Fintech 4.0 Terhadap Velocity of Money Di Indonesia ”. Jurnal Arastirma 5, no. 2 (August 1, 2025): 368–381. Accessed January 13, 2026. https://openjournal.unpam.ac.id/index.php/Jaras/article/view/48527.