Kusumawardani , Al Fitri Rizky Estu, Tiara Eka Nur Yahya, Bramantyo Adi Kesworo, Della Azhara Yusuf, and Ina Uswatun Nihaya. “The Financial Balancing Act: How Lifestyle and Pocket Money Shape Student Spending in Indonesia”. International Conference on Digital Business Innovation and Technology Management (ICONBIT) 1, no. 2 (August 4, 2025). Accessed November 6, 2025. https://proceeding.unesa.ac.id/index.php/iconbit/article/view/5695.