1.
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. jess [Internet]. 2026 Jan. 22 [cited 2026 Feb. 28];5(1):97-108. Available from: https://journal.civiliza.org/index.php/jess/article/view/1323