The aim of this study to determine the effect of Card Payment Instruments (APMK) and electronic money (e-money) against the velocity of money in Indonesia in the long term and short term. The data used in this research is time series data from 2010 to 2016, obtained from Bank Indonesia (BI). The independent variable in this study is a credit card(X1), ATM card debit card(X2) and electronic moneā¦