Zahro, Maratus, and Rika Rahayu. “Nilai Transaksi E-Money Di Indonesia Dengan Menggunakan Metode Markov Switching Model”. Owner : Riset dan Jurnal Akuntansi 5, no. 2 (August 26, 2021): 644-652. Accessed July 16, 2024. https://owner.polgan.ac.id/index.php/owner/article/view/392.