“Pengaruh Kepemilikan Aplikasi Mobile Banking Dan Gaya Hidup Terhadap Perilaku Konsumtif Di Kalangan Mahasiswa ”, ICONICSOF: Proceedings of International Conference on Islamic Economic, Finance, and Social Finance, vol. 6, no. 2, hlm. 42–54, Jun 2025, Diakses: Nov 02, 2026. Tersedia pada: https://www.conferences.uinsyahada.ac.id/febi/article/view/164