Erpenus, Marna, and Jhon Veri. “Paymen System Pengaruh Mobile Payment Terhadap Efisiensi Transaksi Keuangan Di Sektor Retail”. Indo-Fintech Intellectuals: Journal of Economics and Business, vol. 4, no. 6, Feb. 2025, pp. 3563-72, doi:10.54373/ifijeb.v4i6.2572.