Anggreany, Wulandini Aprilia, Khusa Oktavian Sukmawati, Yoana Shebilma Mula, Ahmad Herlyasa Sosro Pratama, and Alif Dewantara. “Digital Credit and Overspending: Assessing the Moderating Role of Financial Literacy Among University Students”. Proceeding ICAMEKA: International Conference Accounting, Management & Economics Uniska 2 (January 23, 2026): 901–909. Accessed February 4, 2026. https://icamekaproceedings.fe.uniska-kediri.ac.id/index.php/icameka/article/view/200.