T. D. Widajantie and N. A. D. Farahdillah, “The Influence of Financial Literacy, Fintech, Locus of Control, Financial Self-Efficacy on Financial Management Behavior: Accounting Student at UPN ‘Veteran’ Jawa Timur”, AKUNTANSI, vol. 12, no. 2, pp. 259–276, Oct. 2026.