Gunawan, Johannes Faomasi, and Permata Dian Pratiwi. “Fintech Literacy, Self-Control, and Digital Saving Decisions of Income-Earning Students in South Jakarta”. Jurnal Manajemen (Edisi Elektronik), vol. 17, no. 2, June 2026, pp. 592-09, doi:10.32832/jm-uika.v17i2.23602.