“PENGARUH FINANCIAL TECHNOLOGY DAN LOCUS OF CONTROL TERHADAP PERILAKU KEUANGAN (MAHASISWA DESA MADUREJO YOGYAKARTA)”. Indo-Fintech Intellectuals: Journal of Economics and Business 5, no. 3 (July 5, 2025): 5798–5807. Accessed August 12, 2026. https://ejournal.indo-intellectual.id/index.php/ifi/article/view/3311.