Sipahutar, Roni Parlindugan, and Dedeng Irawan. “FINANCIAL EDUCATION, FINANCIAL STRESS, AND FINANCIAL WELL-BEING: THE STRATEGIC ROLE OF FINANCIAL TECHNOLOGY FOR MILLENNIAL BANK EMPLOYEES IN NORTH SUMATRA”. Multidiciplinary Output Research For Actual and International Issue (MORFAI) 5, no. 6 (October 14, 2025): 5365–5380. Accessed October 23, 2025. https://radjapublika.com/index.php/MORFAI/article/view/4075.