![[publicspeaking] Dari Gagasan Ke Tonjok, Saat Pejabat Lebih Suka Tantangan Fisik daripada Logika](https://assets-a2.kompasiana.com/items/album/2025/09/06/0293f24c-094a-47c4-9163-7dbfe3f74f22-68bc1999ed641579ee6f8832.png?t=t&v=100&x=100&info=meta_related)
Roy, D., & Sahoo, A. (2016). Payment systems in India: Opportunities and challenges. Journal of Internet Banking and Commerce, 21(2), 1--12.
Setiawati, D., Hakim, H. A., & Yoga, F. A. H. (2020). Optimizing personal data protection in Indonesia: Lesson learned from China, South Korea, and Singapore. Indonesian Comparative Law Review, 2(2), 95--109.
Yang, W., & Lu, Q. (2018). Integrated evaluation of payments for ecosystem services programs in China: A systematic review. Ecosystem Health and Sustainability, 4(3), 73--84.
Follow Instagram @kompasianacom juga Tiktok @kompasiana biar nggak ketinggalan event seru komunitas dan tips dapat cuan dari Kompasiana. Baca juga cerita inspiratif langsung dari smartphone kamu dengan bergabung di WhatsApp Channel Kompasiana di SINI
