Aini, Sukma, et al. “The Influence Of Financial Literacy And E-Money Use On The Consumer Behavior Of Students In The Management Study Program At Lamappapoleon University”. GENTARA: Management and Accounting Research, vol. 1, no. 1, Feb. 2026, pp. 21-27, https://journal.gentara.unipol.ac.id/index.php/gentara/article/view/19.