TURNIP, Elsa Nesiana Imanuela; PANJINEGARA, Prakarsa. The Role of Financial Literacy, Peer Influence, and Digital Transformation in Financial Decision-Making. Harmony Management: International Journal of Management Science and Business, [S. l.], v. 2, n. 4, p. 81–88, 2025. DOI: 10.70062/harmonymanagement.v2i4.471. Disponível em: https://management.ifrel.org/index.php/HarmonyManagement/article/view/471. Acesso em: 2 mar. 2026.