Fahrudin, Fahrudin, Moh. Nurhedi, Arief Rahman Afandy, and Moh. Sholihin. “Pengaruh Financial Technology Terhadap Perilaku Konsumtif Generasi Milenial”. RIGGS: Journal of Artificial Intelligence and Digital Business 4, no. 2 (July 9, 2025): 5023–5031. Accessed April 24, 2026. https://journal.ilmudata.co.id/index.php/RIGGS/article/view/1373.