Can the free money transfer system application be considered a breakthrough in financial technology?. JRAP (Jurnal Riset Akuntansi dan Perpajakan), [S. l.], v. 12, n. 2, p. 101–114, 2025. DOI: 10.65179/jrap.2025.9518. Disponível em: https://journal.univpancasila.ac.id/index.php/jrap/article/view/9518. Acesso em: 29 sep. 2026.