Anugrah, Johan, and Izharuddin Izharuddin. “The Effect of Debit, Credit and BI-RTGS Card Usage on Indonesia’s Economic Growth”. Asian Journal of Management Analytics 4, no. 2 (April 26, 2025): 645–654. Accessed May 13, 2026. https://journal.formosapublisher.org/index.php/ajma/article/view/14299.