DeriM.F., SaragihR.M., AndiniA., HanumF. and SiraitN. 2023. Pengaruh Analisis SWOT Digital Payment (OVO) terhadap Perilaku Konsumtif Mahasiswa. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam. 4, 5 (Feb. 2023), 1387-1394. DOI:https://doi.org/10.47467/elmal.v4i5.3313.