Naik, Pratham, Yash Kotak, Jaydev Dhanak, Dhwanit Shah, Rahul Chauhan, Andino Maseleno, and R Rizal Isnanto. 2024. “Impacts of Online Payment Systems on Consumers and Merchants ”. Siber Journal of Transportation and Logistics 1 (4):179-90. https://doi.org/10.38035/sjtl.v1i4.296.