ZAHRO, M.; RAHAYU, R. . Nilai Transaksi E-Money di Indonesia dengan Menggunakan Metode Markov Switching Model. Owner : Riset dan Jurnal Akuntansi, [S. l.], v. 5, n. 2, p. 644-652, 2021. DOI: 10.33395/owner.v5i2.392. Disponível em: https://owner.polgan.ac.id/index.php/owner/article/view/392. Acesso em: 2 jun. 2026.