Khotimah, Khusnul, Intan Puspitasari, dan Mahendra Galih Prasaja. “The Impact of Fintech Payments and Financial Literacy on Student Financial Management Behaviour”. BALANCE: Economic, Business, Management and Accounting Journal 22, no. 1 (Januari 14, 2025): 15–30. Diakses Oktober 10, 2026. https://journal.um-surabaya.ac.id/balance/article/view/23795.