Kurniawan, Mochamad Riski Fajar, and Nora Ria Retnasih. 2024. “The Impact of Financial Literacy and Fintech Adoption on Personal Financial Management Among University Students”. Proceeding ICAMEKA: International Conference Accounting, Management & Economics Uniska 1 (November):639-52. https://doi.org/10.32503/icameka.v1i.53.