Lasendra, Alaya, and Sukirno. “DIGITAL PAYMENT SYSTEMS ON THE CONSUMPTIVE BEHAVIOR OF UNIVERSITY STUDENTS IN D.I.Y WITH FINANCIAL RISK AS A MEDIATING VARIABLE”. SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL, vol. 15, no. 2, July 2026, pp. 3205-11, doi:10.36526/sosioedukasi.v15i2.8293.