NURHAFNI, A. F.; ZAFAR, T. S.; NORISANTI, N. Pengaruh Financial Literacy, Bandwagon Effect dan Perceived Risk terhadap Minat Penggunaan Aplikasi Pinjaman Online pada Mahasiswa di Kota Sukabumi. RIGGS: Journal of Artificial Intelligence and Digital Business, [S. l.], v. 4, n. 4, p. 13415–13426, 2026. DOI: 10.31004/riggs.v4i4.5803. Disponível em: https://journal.ilmudata.co.id/index.php/RIGGS/article/view/5803. Acesso em: 7 may. 2026.