SHOFI MUSTAJIBULLAH; NURHIDAYAH; ENY ZUHROTUN NASYI’AH. BUDGETING IN THE AI ERA: EXPLORING THE MODERATING EFFECTS OF AI UTILIZATION AND ISLAMIC FINANCIAL LITERACY ON SANTRI’S FINANCIAL LIFE). Multidiciplinary Output Research For Actual and International Issue (MORFAI), [S. l.], v. 6, n. 2, p. 2961–2969, 2026. DOI: 10.5281/zenodo.18454413. Disponível em: https://radjapublika.com/index.php/MORFAI/article/view/5091. Acesso em: 30 apr. 2026.