Martini, Ni Luh Reni, Ni Putu Ayu Darmayanti, Ni Luh Putu Wiagustini, and Ica Rika Candraningrat. 2026. “Determinants of Digital Gold Investment Decisions: The Role of Digital Financial Literacy, Risk Aversion, and Financial Well-Being”. Tennessee Research International of Social Sciences 8 (1):109-23. http://triss.org/index.php/journal/article/view/137.