KIKI KHARISMA PUTRI; FRIYATMI. How Financial and Digital Literacy Shape E-Wallet Adoption Decisions. Journal of Educational Management Research , [S. l.], v. 4, n. 2, p. 557–569, 2025. DOI: 10.61987/jemr.v4i2.973. Disponível em: https://serambi.org/index.php/jemr/article/view/973. Acesso em: 21 apr. 2026.