Melati Permata Julian and Sri Hariyanti  2023. The Effect Of Use Of Debit Cards And Electronic Money (E-Money) On Operational Expenditures: Case Study Of Food And Beverage Msmes In Ngaliyan District, Semarang City. International Conference On Digital Advanced Tourism Management And Technology. 1, 2 (Dec. 2023), 555–560. DOI:https://doi.org/10.56910/ictmt.v1i2.118.