DHIDHIN NOER ADY RAHMANTO; RAGIL SATRIA WICAKSANA; RATIH PURBOWISANTI. Financial Well-Being Stratification among Urban Households: A Multinomial Logit Analysis of Digital Payments, Saving Behavior, and Credit Access. Journal of Economics and Social Sciences (JESS), [S. l.], v. 5, n. 1, p. 97–108, 2026. DOI: 10.59525/jess.1323. Disponível em: https://journal.civiliza.org/index.php/jess/article/view/1323. Acesso em: 28 feb. 2026.