Kartini, T., Sugeng, B., Wahyono, H., & Wardoyo, C. (2024). DETERMINANTS OF FINANCIAL TECHNOLOGY (FINTECH) ADOPTION BEHAVIOR IN PERSONAL FINANCIAL MANAGEMENT AMONG ECONOMICS EDUCATION STUDENTS IN EAST JAVA. JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN, 13(1), 21–58. https://doi.org/10.26740/jepk.v13n1.p21-58