Fanani, Ahmad Faizal, and Tony Seno Aji. “Pengaruh Perilaku Konsumen Masyarakat Kabupaten Gresik Terhadap Penggunaan E-Money”. Independent: Journal of Economics 3, no. 1 (April 30, 2023): 150–166. Accessed July 5, 2025. https://ejournal.unesa.ac.id/index.php/independent/article/view/56939.