HAREFA, Krisno Berkat; BUULOLO, Nanny Artatina; ZAI, Kurniawan Sarototonafo; TELAUMBANUA, Aferiaman. Pengaruh E-Payment dan Literasi Keuangan terhadap Perilaku Konsumtif Mahasiswa Fakultas Ekonomi Universitas Nias. RIGGS: Journal of Artificial Intelligence and Digital Business, [S. l.], v. 4, n. 3, p. 1889–1902, 2025. DOI: 10.31004/riggs.v4i3.2238. Disponível em: https://journal.ilmudata.co.id/index.php/RIGGS/article/view/2238. Acesso em: 3 jul. 2026.