Jihan Salsabila Khairunnisa, Umi Widyastuti, and Diena Noviarini. 2025. “Financial Literacy Dan Usage of E-Payment: Peran Spending Behavior Terhadap Financial Well-Being Pada Young Adults”. PENG: Jurnal Ekonomi Dan Manajemen 3 (1): 270-86. https://doi.org/10.62710/701xet88.