Abdurrohman, Abdul Wahid Alfarizi, Bambang Hermawan, Priatna Wijaya, Ahmad Solihin. THE EFFECT OF FINANCIAL LITERACY AND FINTECH USAGE ON STUDENTS’ CONSUMPTIVE BEHAVIOR WITH SELF-EFFICACY AS A MEDIATING VARIABLE. MORFAI [Internet]. 2026 Apr. 24 [cited 2026 Apr. 30];6(4):4706-15. Available from: https://radjapublika.com/index.php/MORFAI/article/view/5483