FINASTRI, R.; SUSANTI. The Impact of Financial Inclusion, Fintech Adoption, and Frugal Living on the Financial Behavior of GenBI Students . Journal of Educational Management Research , [S. l.], v. 5, n. 4, p. 4188–4200, 2026. DOI: 10.61987/jemr.v5i4.2594. Disponível em: https://serambi.org/index.php/jemr/article/view/2594. Acesso em: 27 jun. 2026.