Intan Aprilia, and Dwiyanjana Santyo Nugroho. “The Influence of Digital Payments and Financial Stressors on Consumptive Behavior of MNC University Students”. The Es Accounting And Finance 1, no. 03 (July 31, 2023): 143–149. Accessed September 19, 2024. https://esj.eastasouth-institute.com/index.php/esaf/article/view/102.