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M. Ramadhan

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Review Open access Sep 2026

Digital Payment Usage, Financial Literacy, and the Effect on Personal Financial Well-Being among Young Adults

The rapid expansion of financial technology has transformed the way young adults conduct financial transactions, making digital payment services an integral part of everyday financial activities. While these technologies offer greater convenience and accessibility, their contribution to personal financial well-being re...

M. Ramadhan · 0 citations

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