Kartikasari, C. Y., and Y. W. Prasetyowatie. “Financial Capability and Digital Adoption for Online Shopping Decision: Evidence from Surabaya Students”. Wiga : Jurnal Penelitian Ilmu Ekonomi, vol. 12, no. 2, July 2022, pp. 110-7, doi:10.30741/wiga.v12i2.810.