CAROLINE, Debby; NORIDA CANDA SAKTI. Pengaruh Financial Literacy dan Penggunaan Digital Payment Terhadap Perilaku Konsumtif Pada Mahasiswa Universitas Negeri Surabaya. Innovative: Journal Of Social Science Research, [S. l.], v. 4, n. 2, p. 9306–9320, 2024. DOI: 10.31004/innovative.v4i2.10100. Disponível em: https://j-innovative.org/index.php/Innovative/article/view/10100. Acesso em: 17 may. 2026.