THE EFFECT OF FINANCIAL LITERACY AND FINANCIAL ATTITUDE ON THE USE OF DIGITAL WALLETS AMONG STUDENTS IN SURAKARTA CITY. AJAR [Internet]. 2022 Aug. 31 [cited 2026 Nov. 4];5(02):193-206. Available from: https://www.ojs.feb.uajmks.ac.id/index.php/AJAR/article/view/346