PENGARUH DIGITAL PAYMENT DAN FINANCIAL SELF-EFFICACY TERHADAP MANAJEMEN KEUANGAN PRIBADI MAHASISWA UNIVERSITAS TEUKU UMAR. Musytari [Internet]. 2026 Sep. 23 [cited 2026 Sep. 24];25(10). Available from: https://journal.cib.institute/index.php/musytari/article/view/4458