Devi, Sarlina, Yasir Arafat, and Maliah Maliah. “The Effect of Using E-Money and Self-Control on Student Financial Management”. Journal of Digital Business and Marketing 1, no. 2 (August 14, 2025): 105–115. Accessed September 11, 2025. https://goodwoodpub.com/index.php/jdbm/article/view/3327.