[tex]\huge\red{Answer}[/tex]
In computer programming, a reference is a value that enables a program to indirectly access a particular data, such as a variable's value or a record, in the computer's memory or in some other storage device.
whereas
Alternatively referred to as a link and web link, a hyperlink is an icon, graphic, or text that links to another file or object. The World Wide Web is comprised of hyperlinks linking trillions of pages and files to one another. For example, "Computer Hope home page" is a hyperlink to the Computer Hope home page.
Hope it helps ☺️❣️