Siagian, Valentine, Andrew Fernando Pakpahan, and Judith Tagal Gallena Sinaga. 2026. “Age, Digital Financial Literacy and Saving Behavior Among Households in West Bandung: A Microdata Study”. 12th International Scholars Conference 2025 12 (5):1157-74. https://doi.org/10.31154/isc12.v12i5.91.1157-1174.