Hidayati AR, Nugroho DS. Effect of Financial Literacy and Fintech Payment of Financial Management Behavior with Internal Locus of Control as Moderator. J. Bus. Manag. Econ. Development. [Internet]. 2023 May 31 [cited 2025 Jul. 25];1(02):221-9. Available from: https://risetpress.com/index.php/jbmed/article/view/124