Nuho, Paula Noverita Sherenanda Ina Gawi, et al. “Financial Literacy, Lifestyle, and Financial Attitudes in Shaping Students’ Financial Behavior: Evidence from Mahasaraswati University, Denpasar”. EMAS, vol. 7, no. 2, Feb. 2026, pp. 157-66, doi:10.36733/emas.v7i2.13378.