Sapsuha, M. U., Rika Dwi Ayu Parmitasari, and Idris Parakkasi. “Implications of the Use of Fintech Payment on Consumptive Behavior”. ULIL ALBAB : Jurnal Ilmiah Multidisiplin, vol. 4, no. 3, Jan. 2025, pp. 965-79, doi:10.56799/jim.v4i3.7673.