CINDY, Cindy; ARIFIN, Agus Zainul; SIMANJUNTAK, Sri Ida Royani. The effectiveness of fintech in non-cash transaction in banking services. Journal of Commerce, Management, and Tourism Studies, Indonesia, v. 3, n. 2, p. 73–81, 2024. DOI: 10.58881/jcmts.v3i2.187. Disponível em: https://ympn.co.id/index.php/JCMTS/article/view/187. Acesso em: 16 aug. 2025.