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Novianti, Riri and Retnasih, Nora Ria ORCID: https://orcid.org/0000-0001-5915-8871 (2023) Financial literacy, financial technology (FinTech), and locus of control on financial management behavior. Ekonomis: Journal of Economics and Business, 7 (1). pp. 422-428. ISSN 2597-8829