“Pengaruh Digital Payment Usage, Financial Literacy, dan Spending Habits Terhadap Cashless Society dengan Financial Behavior Sebagai Variabel Mediasi”, JGSEG, vol. 2, no. 2, pp. 35–43, Jun. 2026, Accessed: Oct. 07, 2026. [Online]. Available: https://ejournal.institutsmb.id/index.php/JGSEG/article/view/130