Faizal Rizky Yuttama, and Budi Widadi. “When Technology Meets Financial Behavior: A Household-Level Study on Digital Payment, Literacy, and Connectivity in Indonesia”. OPTIMAL Jurnal Ekonomi Dan Manajemen, vol. 5, no. 2, May 2025, pp. 268-80, doi:10.55606/optimal.v5i2.5876.