Sulistiyowati, L. N. ., and Y. . Effrisanti. “THE EFFECT OF DIGITAL FINANCE BEHAVIOR TOWARD SHADOW ECONOMY IN SOUTHEAST ASIA COUNTRIES”. International Conference On Economics Business Management And Accounting (ICOEMA), vol. 1, Aug. 2022, pp. 768-82, https://conference.untag-sby.ac.id/index.php/icoema/article/view/2207.