“Perbandingan Adopsi Alat Digital Personal Finance Di Negara Maju Vs. Negara Berkembang: Tinjauan Studi Literatur” (2025) Jurnal Intelek Dan Cendikiawan Nusantara, 2(4), pp. 5573–5585. Available at: https://jicnusantara.com/index.php/jicn/article/view/4715 (Accessed: 18 October 2026).