Waly, N., M. Wangsi, B. Lestari, N. Prihandoko, N. Nurhani, and A. Nurlily. “Consumptive Behavior: How Religiousity Moderation Affect in Financial Literacy and Self-Concept Student Digital Wallet Users”. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, Vol. 14, no. 1, Jan. 2026, pp. 207-20, doi:10.37676/ekombis.v14i1.8720.