“The Influence Of Financial Technology Payment And Financial Literacy On The Financial Behavior Of Students At ITEBIS PGRI Dewantara Jombang”. Proceeding Kilisuci International Conference on Economic & Business 4 (May 1, 2026): 722–739. Accessed October 14, 2026. https://proceeding.unpkediri.ac.id/index.php/kilisuci/article/view/9725.