Shofi Mustajibullah, et al. “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), vol. 6, no. 2, Jan. 2026, pp. 2961-9, doi:10.5281/zenodo.18454413.