“Can the Free Money Transfer System Application Be Considered a Breakthrough in Financial Technology?”. JRAP (Jurnal Riset Akuntansi dan Perpajakan) 12, no. 2 (December 31, 2025): 101–114. Accessed September 29, 2026. https://journal.univpancasila.ac.id/index.php/jrap/article/view/9518.