Oktaviani, Erika Nurannisa, and Ni Made Adi Erawati. “An Exploration of Millennial Switching Behavior Related to Purchasing Decisions Toward Fintech: Behavioral Accounting Perspective”. Tennessee Research International of Social Sciences, vol. 7, no. 2, Oct. 2025, pp. 139-47, http://triss.org/index.php/journal/article/view/107.