DeriMuhammad Fhareza, SaragihRamadian Maghvira, Ayu Andini, Fadillah Hanum, and Nurbaiti Sirait. 2023. “Pengaruh Analisis SWOT Digital Payment (OVO) Terhadap Perilaku Konsumtif Mahasiswa”. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 4 (5), 1387-94. https://doi.org/10.47467/elmal.v4i5.3313.