Riyani, D., Rosady, F. and Hendarti, Y. (2025) “PERSONAL FINANCIAL MANAGEMENT IN THE DIGITAL ECONOMY ERA: FINANCIAL KNOWLEDGE, FINANCIAL BEHAVIOR AND FINANCIAL QUOTIENT ”, International Conference On Economics Business Management And Accounting (ICOEMA), 4(1), pp. 785-794. Available at: https://conference.untag-sby.ac.id/index.php/icoema/article/view/5654 (Accessed: 13January2026).