KALSUM, Ummy. Digital Financial Behavior in a Cashless Society: A Study of Changes in Consumption Patterns. Oikonomia : Journal of Management Economics and Accounting, [S. l.], v. 3, n. 3, p. 124–133, 2026. DOI: 10.61942/oikonomia.v3i3.605. Disponível em: https://jurnalhafasy.com/index.php/oikonomia/article/view/605. Acesso em: 20 may. 2026.