Kurniawan, Dion, and Endroyono Endroyono. “Optimizing Cost and Performance of Cloud Versus on Premises in Digital Wallet Start up”. Dinasti International Journal of Education Management and Social Science 5, no. 4 (May 11, 2024): 660–666. Accessed August 16, 2026. https://dinastipub.org/DIJEMSS/article/view/2568.