Widajantie, T. D. and Farahdillah, N. A. D. (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), pp. 259–276. doi: 10.29080/jai.v12i2.2492.