Sahabat, I., T. Dartanto, H. A. Passay, and D. Widyawati. “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, vol. 7, no. 5, Oct. 2017, pp. 498-11, https://www.econjournals.com/index.php/ijefi/article/view/4977.