Devy Kristiningrum, Deasy Wulandari, & Elok Sri Utami. (2025). The Effect Of Digital Transformation And Lifestyle On Saving Decisions Mediated By User Satisfaction Of Kb Star In Jember Regency. Management Dynamics: International Journal of Management and Digital Sciences, 2(3), 01–08. https://doi.org/10.70062/managementdynamics.v2i3.256