Iskandar, Fatimah Nurjannati, Keni Kaniawati, and Titin Kartini. 2026. “Student Consumptive Behavior Rises With Fintech and Declines With Financial Management”. Academia Open 11 (2):10.21070/acopen.11.2026.14708. https://doi.org/10.21070/acopen.11.2026.14708.