Fitriani, Hidayatul, Zefri Maulana, Tajul Ula, and Juli Dwina Puspita Sari. “ and Financial Locus of Control As Mediating Effects on the Financial Behavior of Qris Users of Islamic Banks”. Tazkia Islamic Finance and Business Review 19, no. 1 (June 17, 2025): 65–90. Accessed July 11, 2025. https://tifbr-tazkia.org/index.php/TIFBR/article/view/389.