H. M. Kiswanti, U. Khouroh, S. Yuniarti, F. Begum, and I. Herdiyanti, “Unlocking The Puzzle: Locus of Control, Fintech and Financial Literacy in Shaping Financial Behavior”, Sriwijaya Int. J. of Dynamic Eco. And Buss., vol. 7, no. 4, pp. 371–392, Jun. 2024.