Geovani Butar Butar, Indah, et al. “Pengaruh Digital Payment, Pendapatan, Dan Literasi Keuangan Terhadap Perilaku Konsumtif Mahasiswa”. Indo-Fintech Intellectuals: Journal of Economics and Business, vol. 4, no. 6, Dec. 2024, pp. 3021-35, doi:10.54373/ifijeb.v4i6.2423.