ANNISA, A.; WARDAYANI, W. Analisis Dampak Layanan Pembayaran Digital Terhadap Penggunaan Layanan Bank Konvensional: Studi Kasus Penggunaan Dana, Ovo, Shopee Pay, Dan Gopay Di Kalangan Mahasiswa Stim Sukma Medan . Management Studies and Entrepreneurship Journal (MSEJ), [S. l.], v. 5, n. 2, p. 6824–6834, 2024. DOI: 10.37385/msej.v5i2.5352. Disponível em: https://yrpipku.com/journal/index.php/msej/article/view/5352. Acesso em: 4 jul. 2025.