Rozaki, Deki, John Sarjono, Susilo Toto Raharjo, and Mirwan Surya Perdhana. “The Impact of Digital Banking on Millennials’ Financial Decision Making”. Research Horizon 5, no. 1 (December 27, 2024): 65–78. Accessed March 27, 2025. https://lifescifi.com/journal/index.php/RH/article/view/449.