Nafilah, Silvia, et al. “Faktor Determinan Perilaku Keuangan Melalui Literasi Keuangan, Financial Technology Dan Perilaku Konsumtif”. Indonesian Journal of Innovation Multidisipliner Research, vol. 4, no. 3, July 2026, pp. 4857-70, doi:10.69693/ijim.v4i3.2034.