Supriyono, Edi, and Zahra Wiranda. “Explaining Financial Management Behavior Among Millennials: The Influence of Fintech Adoption, Financial Literacy, and Social Factors”. RIGGS: Journal of Artificial Intelligence and Digital Business 5, no. 1 (March 17, 2026): 8670–8678. Accessed July 15, 2026. https://journal.ilmudata.co.id/index.php/RIGGS/article/view/7328.