Azis, Fajriani, Adriansyah Adriansyah, and Nurul Emil Safitri. 2026. “From Financial Literacy to Financial Behavior: A Systematic Literature Review and the Financial Behavior Formation Model (FBFM)”. Journal of Economics, Entrepreneurship, Management Business and Accounting 4 (5):840-61. https://doi.org/10.61255/jeemba.v4i5.1823.