Suprapto, Yandi. “ANALYSIS OF FACTORS AFFECTING THE USE OF CASHLESS MOBILE PAYMENT IN MILLENIAL GENERATIONS OF BATAM CITY”. Journal of Business Studies and Management Review 4, no. 1 (December 31, 2020): 59–65. Accessed April 23, 2026. https://www.online-journal.unja.ac.id/jbsmr/article/view/10748.