Apriadi, D., Adelin, D., Mutumanikam, P. R., & Lanjarsih, L. (2025). Personal Finance Transformation in the Digital Era: The Impact of Financial Technology on People’s Economic Behavior. Oikonomia : Journal of Management Economics and Accounting, 2(3), 89–100. https://doi.org/10.61942/oikonomia.v2i3.356