Kalsum, Ummy. “Digital Financial Behavior in a Cashless Society: A Study of Changes in Consumption Patterns”. Oikonomia : Journal of Management Economics and Accounting 3, no. 3 (May 20, 2026): 124–133. Accessed May 20, 2026. https://jurnalhafasy.com/index.php/oikonomia/article/view/605.