Kurniawan, Mochamad Riski Fajar, and Nora Ria Retnasih. “The Impact of Financial Literacy and Fintech Adoption on Personal Financial Management Among University Students”. Proceeding ICAMEKA: International Conference Accounting, Management & Economics Uniska 1, no. 1 (November 11, 2024): 639–652. Accessed November 15, 2024. https://icamekaproceedings.fe.uniska-kediri.ac.id/index.php/icameka/article/view/53.