Rizqi, Arief, Hengki Vieri Vincentius Simarma, Mohamad Hanafi, Wildan Hilmi, and Mira Nurfitriya. “Fintech Influence Financial Management?”. Eqien - Jurnal Ekonomi dan Bisnis 12, no. 01 (March 20, 2023): 22 -27. Accessed August 31, 2025. https://eqien.unismu.ac.id/index.php/OJS/article/view/1411.