Sarangi, Biswajit. “Cashless Economy and Electronic Money: Concepts, Nexus, Opportunities, and Challenges”. Indonesian Annual Conference Series, no. Proceedings of IACS-HOICEB (September 20, 2023): 79-90. Accessed January 9, 2026. https://ojs.literacyinstitute.org/index.php/iacseries/article/view/1090.