Dessy Natalia Sianipar, Noni Ardian, and Aulia. 2026. “The Influence of Financial Literacy and E-Wallet Usage on the Consumptive Behavior and Financial Behavior of Management Students at Pembangunan Panca Budi University”. Equivalent : Journal of Economic, Accounting and Management 4 (1): 1009-19. https://doi.org/10.61994/equivalent.v4i1.1799.