Digital Financial Behavior and Risk-Based Credit Assessment in Mortgage Access for Young Generations. Finance Innovations Digest, [S. l.], v. 4, n. 1, p. 14–27, 2026. DOI: 10.63208/21013-212. Disponível em: https://iacs.co.id/fid/article/view/212. Acesso em: 20 sep. 2026.