Influence Fintech Payment, Financial Literacy, and Financial Self-Efficacy Against User Financial Behavior Mobile Banking. International Conference on Islamic Economics (ICIE), [S. l.], v. 1, n. 1, p. 1377–1392, 2024. Disponível em: https://proceeding.uingusdur.ac.id/index.php/icie/article/view/2620. Acesso em: 25 sep. 2026.