KUSUMAWATI, R.; GINTING, M. B. B.; JAGAD, D. J. Financial Technology as a Strengthening Factor in Shaping Financial Behavior: Teknologi Keuangan sebagai Faktor Penguat dalam Pembentukan Perilaku Keuangan. Indonesian Journal of Innovation Studies, [S. l.], v. 26, n. 4, p. 10.21070/ijins.v26i4.1805, 2025. DOI: 10.21070/ijins.v26i4.1805. Disponível em: https://ijins.umsida.ac.id/index.php/ijins/article/view/1805. Acesso em: 5 dec. 2025.