Perbandingan Adopsi Alat Digital Personal Finance Di Negara Maju Vs. Negara Berkembang: Tinjauan Studi Literatur. Jurnal Intelek Dan Cendikiawan Nusantara, [S. l.], v. 2, n. 4, p. 5573–5585, 2025. Disponível em: https://jicnusantara.com/index.php/jicn/article/view/4715. Acesso em: 17 oct. 2026.