EKSPLORASI DAMPAK PEMBAYARAN DIGITAL TERHADAP POLA KONSUMSI MASYARAKAT. Jurnal Intelek Insan Cendikia, [S. l.], v. 2, n. 8, p. 15101–15108, 2025. Disponível em: https://jicnusantara.com/index.php/jiic/article/view/4719. Acesso em: 8 jul. 2026.