Rosa Zachrul Phonna, Sapna Biby, Mohd Heikal and Rahmaniar 2023. THE EFFECT OF CONVENIENCE, PROMOTION AND BENEFITS ON THE DECISION TO USE A DIGITAL PAYMENT SYSTEM IN GENERATION Y IN LHOKSEUMAWE CITY. Journal of Accounting Research, Utility Finance and Digital Assets. 1, 3 (Jan. 2023), 286–295. DOI:https://doi.org/10.54443/jaruda.v1i3.46.