Nasution AA, Balatif MR. Pengaruh Literasi Keuangan, Inklusi Keuangan, Gaya Hidup, Dan Financial Technology Terhadap Perilaku Keuangan Pegawai PT. X di SUMUT. Owner [Internet]. 2025Jan.1 [cited 2026Apr.17];9(1):542-56. Available from: https://www.owner.polgan.ac.id/index.php/owner/article/view/2428