Tri Yunarni, B. R. ., D. S. . K. Tobing, and D. Iswanto. “Optimizing Marketing Strategies in Encouraging the Adoption of Mobile-Based Digital Financial Services Among Students”. Jurnal Ilmiah Manajemen Dan Bisnis, vol. 10, no. 2, Dec. 2025, pp. 167-79, doi:10.38043/jimb.v10i2.7072.