Pasopati, Bram Agni Rustpaksi, Ricky Elfianda, and Harjum. “A Systematic Review of Digital Payment Transactions in Enhancing Third-Party Funds and Fee-Based Income”. Integra Business Review 4, no. 1 (June 30, 2026): 46–58. Accessed September 19, 2026. https://iacs.co.id/ibr/article/view/666.