L. Yuliyanti and B. Muntashofi, “Literasi Keuangan Digital Dan Perilaku Pengelolaan Keuangan Sebagai Pendorong Keputusan Investasi : Digital Financial Literacy And Financial Management Behavior As Driven Of Investment Decisions”, JPAI, vol. 23, no. 2, pp. 37–46, Sep. 2025.