The Role of Financial Literacy, Financial Technology Utilization, and Digital Education in Improving Financial Planning Among Indonesian Millennials. Journal of the American Institute, [S. l.], v. 2, n. 4, p. 574–582, 2025. DOI: 10.71364/9gb87527. Disponível em: https://americanjournal.us/index.php/american/article/view/77. Acesso em: 24 sep. 2025.