@phdthesis{repository59073,
          author = {STEFANUS ADITYA SATYA KURNIAWAN},
            year = {2026},
           title = {Pengaruh Literasi Keuangan, Gaya Hidup, dan Sistem Pembayaran Digital Terhadap Perilaku Menabung Mahasiswa Universitas Sanata Dharma},
          school = {Sanata Dharma University},
             url = {http://repository./59073/}
}