“Influence Fintech Payment, Financial Literacy, and Financial Self-Efficacy Against User Financial Behavior Mobile Banking” (2024) International Conference on Islamic Economics (ICIE), 1(1), hlm. 1377–1392. Tersedia pada: https://proceeding.uingusdur.ac.id/index.php/icie/article/view/2620 (Diakses: 27 September 2026).