Pamungkas, Mayhendra Satria, and Tri Utomo Prasetyo. “Financial Management Behavior: Pengaruh Financial Technology, Locus of Control, Dan Financial Literacy Mahasiswa”. Cakrawangsa Bisnis: Jurnal Ilmiah Mahasiswa 6, no. 1 (April 23, 2025): 76–88. Accessed September 27, 2025. https://journal.stimykpn.ac.id/index.php/cb/article/view/573.