ISKANDAR, F. N.; KANIAWATI, K.; KARTINI, T. Student Consumptive Behavior Rises With Fintech and Declines With Financial Management. Academia Open, [S. l.], v. 11, n. 2, p. 10.21070/acopen.11.2026.14708, 2026. DOI: 10.21070/acopen.11.2026.14708. Disponível em: https://acopen.umsida.ac.id/index.php/acopen/article/view/14708. Acesso em: 14 jul. 2026.