Mutiarani, Tina, Yumniati Agustina, and Rizky Maulana Pribadi. 2026. “Why Literacy Outperforms Accounting in Cashless Household Governance”. Journal of Management Science (JMAS) 9 (3):69-78. https://exsys.iocspublisher.org/index.php/JMAS/article/view/788.