Putri, A., E. Novida, T. Khairunnisayah, R. Azzahri, and T. Austin. “Digital Payment for All: A SLR Ana Bibliometric Study of the Constraints and Strategies of Expansion of ETPD, QRIS, and Realtime Payment in Sumatera - A Global Perspective”. Annual International Conference on Islamic Economics and Business (AICIEB), Vol. 5, no. -, Dec. 2025, pp. 164-83, doi:https://doi.org/10.18326/aicieb.v5i-.771.