FAIZAL RIZKY YUTTAMA; BUDI WIDADI. When Technology Meets Financial Behavior: A Household-Level Study on Digital Payment, Literacy, and Connectivity in Indonesia. OPTIMAL Jurnal Ekonomi dan Manajemen, [S. l.], v. 5, n. 2, p. 268–280, 2025. DOI: 10.55606/optimal.v5i2.5876. Disponível em: https://researchhub.id/index.php/optimal/article/view/5876. Acesso em: 9 sep. 2025.