R. Fidianasari, A. Juniar, and M. Nediawan, “What Shapes Students’ Financial Behavior? Examining Income, Financial Literacy, and Lifestyle”, Int. J. Manag. Sci. Inf. Technol., vol. 6, no. 2, pp. 1610–1616, Aug. 2026, doi: 10.35870/ijmsit.v6i2.7759.