Rosafi, Muhammad Amrullah, and Wiwit Harianto. “THE INFLUENCE OF DEBIT CARDS AND ELECTRONIC MONEY ON SPENDING HABITS OF STUDENTS AT MUHAMMADIYAH UNIVERSITY OF SIDOARJO ”. Journal of Economic and Economic Policy 2, no. 2 (April 27, 2025): 94–104. Accessed October 4, 2025. https://ijec.antispublisher.com/index.php/IJEC/article/view/61.