Hesti MS, Wahyono H, Suharsono N. The Effect of Individual Modernity, Financial Literacy, and Technology Adoption on Consumptive Behavior with Lifestyle as an Intervening Variable among College Students in Malang City. IIJSE [Internet]. 27Nov.2025 [cited 31Aug.2026];9(1):1163-81. Available from: https://e-journal.uac.ac.id/index.php/iijse/article/view/8558