Pamungkas, M. S., & Prasetyo, T. U. (2025). Financial Management Behavior: Pengaruh Financial Technology, Locus of Control, dan Financial Literacy Mahasiswa. Cakrawangsa Bisnis: Jurnal Ilmiah Mahasiswa, 6(1), 76–88. https://doi.org/10.35917/cb.v6i1.573