Gami, Emelia Rahmadany Putri, Ainun Mardhiyah, and Iskandar Muda. “Financial Literacy and Income As Determinants of Digital Financial Application Usage Among Millennials”. Journal of Economic Education and Entrepreneurship Studies 6, no. 3 (September 17, 2025): 341–359. Accessed April 5, 2026. https://journal.feb-unm.com/index.php/JE3S/article/view/131.