Risna Yunia Rahma, and Siti Zulaikha. “The Effect of the Use of M-Payment, Islamic Financial Literacy, Locus of Control on the Financial Behavior”. Jurnal Ekonomi Syariah Teori dan Terapan 9, no. 5 (September 30, 2022): 747–759. Accessed September 15, 2024. https://e-journal.unair.ac.id/JESTT/article/view/28620.