SRI HARYANINGSIH; FARAH DEVI ANDRIANI; RIZAL UBAYDILLAH; HANSEN HANSEN. Analysis of Implementation Barriers and Gaps in the Adoption of Chip-Based (Cashless) E-Money in Non-Cash Payment Systems in Pontianak City. Journal Of Data Science , [S. l.], v. 4, n. 01, p. 14–19, 2025. Disponível em: https://ejournal.seaninstitute.or.id/index.php/visualization/article/view/8735. Acesso em: 24 jun. 2026.