“THE EFFECT OF FINANCIAL LITERACY AND FINANCIAL ATTITUDE ON THE USE OF DIGITAL WALLETS AMONG STUDENTS IN SURAKARTA CITY”. AJAR 5, no. 02 (August 31, 2022): 193–206. Accessed May 22, 2026. http://ojs.feb.uajm.ac.id/index.php/AJAR/article/view/346.