Syaifuddin, Dedy Takdir. “The Influence of E-Wallet Usage and Financial Literacy on Consumptive Behavior: A Study on Students of the Faculty of Economics and Business, Halu Oleo University, Kendari”. International Journal of Management and Education in Human Development 6, no. 03 (September 30, 2026): 1996–2006. Accessed October 31, 2026. https://ijmehd.com/index.php/ijmehd/article/view/395.