Ammar, Irham Pakkawaru, Asriyana, Ikmar Masykur, and nizmayavira, “The Influence of Digital Financial Literacy and Security on Customer Decisions in Using the Livin by Mandiri Application (A Study at Bank Mandiri KCP Donggala)”, J. Ilmu Perbank. dan Keuang. Syariah, vol. 7, no. 2, pp. 277–300, Dec. 2025.