Melati Permata Julian, Sri Hariyanti . 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. ICTMT [Internet]. 2023 Dec. 31 [cited 2024 Nov. 1];1(2):555-60. Available from: https://ictmt.stiepari.org/index.php/journal/article/view/118