WINDIARY, B. A. . STUDI LITERATUR REVIEW: PENGARUH PEMBAYARAN DIGITAL TERHADAP PERILAKU KONSUMTIF. Prosiding Seminar Nasional Ilmu Sosial dan Teknologi (SNISTEK), [S. l.], v. 8, n. 1, p. 11–19, 2026. DOI: 10.33884/psnistek.v8i1.11715. Disponível em: https://ejournal.upbatam.ac.id/index.php/prosiding/article/view/11715. Acesso em: 19 jul. 2026.