Rengganis, Fadia Maya, and Baiq Anggun Hilendri Lestari. 2024. “The Impact of E-Wallet Effectiveness and Efficiency in Financial Management for Mataram University Students Who Participate in the Independent Student Exchange”. Formosa Journal of Science and Technology 3 (7):1661-74. https://doi.org/10.55927/fjst.v3i7.10425.