Sutardjo, Erlangga Defry, Jullie J. Sondakh, and Djeini Maradesa. “The Influence of Digital Financial Literacy and Financial Technology on Managerial Performance in Vapestores”. The Contrarian : Finance, Accounting, and Business Research 5, no. 2 (July 11, 2026): 107–118. Accessed July 28, 2026. http://jurnal.ywnr.org/index.php/cfabr/article/view/462.