Sugeng, R., and A. S. E. . Putri. “The Effect of Use of Electronic Money (funds) on students’ Consumptive Behavior”. Journal of Management Science (JMAS), vol. 8, no. 1, Jan. 2025, pp. 465-71, https://www.exsys.iocspublisher.org/index.php/JMAS/article/view/641.