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. jds [Internet]. 2025 May 12 [cited 2026 Jun. 24];4(01):14-9. Available from: https://ejournal.seaninstitute.or.id/index.php/visualization/article/view/8735