camila jiana zahra and Najwa paula sinan (2025) “The THE INFLUENCE OF FINANCIAL LITERACY AND DIGITAL PAYMENT ON STUDENT CONSUMPTIVE BEHAVIOR IN THE ERA OF SOCIETY 5.0 (case study of students in subang regency) ”, JBFI (Journal of Banking and Financial Innovation), 4(02). Available at: https://ojs.stiesa.ac.id/index.php/jbfi/article/view/1485 (Accessed: 30 April 2026).