Pontoh, S. N., Hafid, R., Dama, M. N., Panigoro, M., & Damiti, F. (2026). THE PERSPECTIVE OF THE THEORY OF PLANNED BEHAVIOR AND FINANCIAL LITERACY ON THE INTENSITY OF E-WALLET USAGE (STUDY ON STUDENTS OF THE FACULTY OF ECONOMICS AND BUSINESS, STATE UNIVERSITY OF GORONTALO, CLASS OF 2024). Multidisciplinary Indonesian Center Journal (MICJO), 3(2), 2634–2640. https://doi.org/10.62567/micjo.v3i2.2371