Sahabat, Imaduddin, Teguh Dartanto, Haidy A. Passay, and Diah Widyawati. 2017. “Electronics Payment Decisions of the Indonesian Urban Households: A Nested Logit Analysis of the Effects of the Payment Characteristics”. International Journal of Economics and Financial Issues 7 (5):498-511. https://mail.econjournals.com/index.php/ijefi/article/view/4977.