The purpose of this research is to determine the effect of E-money and Card-Based Payment Instruments (APMK) against the supply money in Indonesia period 2013-2019. The data used in this research is time series data from 2013 to 2019, obtained from Bank Indonesia (BI). The independent variables in this study is e-money (X1), credit cards (X2) and debit cards (X3), while the dependent varia…