Malini, Helma. “Exploring The Impact of Mobile Banking Usage on Spending Habits: A Qualitative Study on Financial Overspending”. Jurnal Keuangan dan Perbankan 21, no. 2 (June 30, 2025): 157–166. Accessed April 13, 2026. https://journal.ibs.ac.id/index.php/jkp/article/view/668.