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 15, no. 2 (July 4, 2026): 3205–3211. Accessed August 10, 2026. https://ejournal.unibabwi.ac.id/index.php/sosioedukasi/article/view/8293.