Widajantie, Tituk Diah, and Nadia Amara Dwi Farahdillah. 2026. “The Influence of Financial Literacy, Fintech, Locus of Control, Financial Self-Efficacy on Financial Management Behavior: Accounting Student at UPN ‘Veteran’ Jawa Timur”. Akuntansi: Jurnal Akuntansi Integratif 12 (2):259-76. https://doi.org/10.29080/jai.v12i2.2492.