청년층의 금융 문해력 향상: 안드로이드 기반 개인 재무 관리 도구

[1] T. Koskelainen, P. Kalmi, E. Scornavacca, and T. Vartiainen, “Financial literacy in the digital age—A research agenda,” Journal of Consumer Affairs, vol. 57, no. 1, pp. 507–528, Jan. 2023. https://doi.org/10.1111/JOCA.12510

[2] P. K. Ozili, “Impact of digital finance on financial inclusion and stability,” Borsa Istanbul Review, vol. 18, no. 4, pp. 329–340, Dec. 2018. https://doi.org/10.1016/J.BIR.2017.12.003

[3] A. Lo Prete, “Digital and financial literacy as determinants of digital payments and personal finance,” Econ Lett, vol. 213, p. 110378, Apr. 2022. https://doi.org/10.1016/J.ECONLET.2022.110378

[4] A. K. Khetan et al., “Variations in the financial impact of the COVID-19 pandemic across 5 continents: A cross-sectional, individual-level analysis,” EClinicalMedicine, vol. 44, p. 101284, Feb. 2022. https://doi.org/10.1016/J.ECLINM.2022.101284

[5] M. Nicola et al., “The socio-economic implications of the coronavirus pandemic (COVID-19): A review,” Int J Surg, vol. 78, p. 185, Jun. 2020. https://doi.org/10.1016/J.IJSU.2020.04.018

[6] A. Lusardi and F.-A. Messy, “The importance of financial literacy and its impact on financial wellbeing,” Journal of Financial Literacy and Wellbeing, vol. 1, no. 1, pp. 1–11, Apr. 2023. https://doi.org/10.1017/FLW.2023.8

[7] J. Voßemer, M. Gebel, O. Nizalova, and O. Nikolaieva, “The effect of an early-career involuntary job loss on later life health in Europe,” Adv Life Course Res, vol. 35, pp. 69–76, Mar. 2018. https://doi.org/10.1016/J.ALCR.2018.01.001

[8] A. Save, “Marketing in a mobile-first world: Tackling the why and the how,” Journal of Direct, Data and Digital Marketing Practice, vol. 15, no. 3, pp. 202–212, Jan. 2014. https://doi.org/10.1057/DDDMP.2014.8

[9] M. Jones et al., “Beyond ‘yesterday’s tomorrow’: future-focused mobile interaction design by and for emergent users,” Pers Ubiquitous Comput, vol. 21, no. 1, pp. 157–171, Feb. 2017. https://doi.org/10.1007/S00779-016-0982-0

[10] L. Stocchi, N. Pourazad, N. Michaelidou, A. Tanusondjaja, and P. Harrigan, “Marketing research on Mobile apps: past, present and future,” J Acad Mark Sci, vol. 50, no. 2, pp. 195–225, Mar. 2022. https://doi.org/10.1007/S11747-021-00815-W

[11] P. Bitrián, I. Buil, and S. Catalán, “Enhancing user engagement: The role of gamification in mobile apps,” J Bus Res, vol. 132, pp. 170–185, Aug. 2021. https://doi.org/10.1016/J.JBUSRES.2021.04.028

[12] I. Y. Irma, E. Sudrajat, N. A. Rachman, and B. Rifai, “The effect of financial literacy on online loans and its impact on poverty,” International Journal of Applied Finance and Business Studies, vol. 11, no. 2, pp. 146–154, Sep. 2023. https://doi.org/10.35335/IJAFIBS.V11I2.109

[13] W. Puspitasari, “The Effect of Online Loans on the Millennial Generation: A Systematic Literature Review (SLR),” International Journal of Economics Development Research (IJEDR), vol. 5, no. 3, pp. 2426–2442, Sep. 2024. https://doi.org/10.37385/IJEDR.V5I3.6047

[14] K. Czech, L. Ochnio, M. Wielechowski, and S. Zabolotnyy, “Financial Literacy: Identification of the Challenges, Needs, and Difficulties among Adults Living in Rural Areas,” Agriculture 2024, Vol. 14, Page 1705, vol. 14, no. 10, p. 1705, Sep. 2024. https://doi.org/10.3390/AGRICULTURE14101705

[15] A. Lusardi, “Financial literacy and the need for financial education: evidence and implications,” Swiss Journal of Economics and Statistics 2019 155:1, vol. 155, no. 1, pp. 1–8, Jan. 2019. https://doi.org/10.1186/S41937-019-0027-5

[16] V. Leone and P. Thompson, “Financial literacy and advice perceptions among UK higher education students: an ethnicity tale?,” Rev Econ Househ, vol. 22, no. 2, pp. 709–781, Jun. 2024. https://doi.org/10.1007/S11150-023-09667-5

[17] H. Purnomo, M. Marsely, W. F. Lestari, O. Aryadewa, and F. Z. F. Oktavia, “Eksplorasi Aplikasi Pencatatan Keuangan Pribadi Berbasis Android,” Seminar Nasional Gabungan Bidang Sosial - Polinema, pp. 145–151, 2021.

[18] M. C. Mason, G. Zamparo, A. Marini, and N. Ameen, “Glued to your phone? Generation Z’s smartphone addiction and online compulsive buying,” Comput Human Behav, vol. 136, p. 107404, Nov. 2022. https://doi.org/10.1016/J.CHB.2022.107404

[19] J. C. Wang, C. Y. Hsieh, and S. H. Kung, “The impact of smartphone use on learning effectiveness: A case study of primary school students,” Educ Inf Technol (Dordr), vol. 28, no. 6, pp. 6287–6320, Jun. 2023. https://doi.org/10.1007/S10639-022-11430-9

[20] M. Bauer et al., “Smartphones in mental health: a critical review of background issues, current status and future concerns,” International Journal of Bipolar Disorders 2020 8:1, vol. 8, no. 1, pp. 1–19, Jan. 2020. https://doi.org/10.1186/S40345-019-0164-X

[21] K. Petersen, C. Wohlin, and D. Baca, “The Waterfall Model in Large-Scale Development,” Lecture Notes in Business Information Processing, vol. 32 LNBIP, pp. 386–400, 2009. https://doi.org/10.1007/978-3-642-02152-7_29

[22] S. Liu, “The Software Development Process,” Formal Engineering for Industrial Software Development, pp. 235–260, 2004. https://doi.org/10.1007/978-3-662-07287-5_14

[23] K. Chari and M. Agrawal, “Impact of incorrect and new requirements on waterfall software project outcomes,” Empir Softw Eng, vol. 23, no. 1, pp. 165–185, Feb. 2018. https://doi.org/10.1007/S10664-017-9506-4

[24] M. Bolung and H. R. K. Tampangela, “Analisa Penggunaan Metodologi Pengembangan Perangkat Lunak,” Jurnal ELTIKOM, vol. 1, no. 1, pp. 1–10, 2017. https://doi.org/10.31961/eltikom.v1i1.1

[25] N. Hidayati, “Penggunaan Metode Waterfall Dalam Rancang Bangun Sistem Informasi Penjualan,” Generation Journal, vol. 3, no. 1, pp. 1–10, 2019.

[26] T. Yokoyama, H. B. Axelsen, and R. Glück, “Fundamentals of reversible flowchart languages,” Theor Comput Sci, vol. 611, pp. 87–115, Jan. 2016. https://doi.org/10.1016/J.TCS.2015.07.046

[27] H. R. Hiremath and M. J. Skibniewski, “Object-oriented modeling of construction processes by unified modeling language,” Autom Constr, vol. 13, no. 4, pp. 447–468, Jul. 2004. https://doi.org/10.1016/J.AUTCON.2003.09.011

[28] L. Hakim and M. S. Mardiyamto, “Relational Database Structure and Operations Engineering Using Class Diagram and Activity Diagram,” Jurnal Teknik Informatika, Sistem Infomasi dan Teknik Industri, vol. 1, no. 1, pp. 109–113, 2018.

[29] A. Roman, “Black-Box Testing Techniques,” A Study Guide to the ISTQB® Foundation Level 2018 Syllabus, pp. 25–60, 2018. https://doi.org/10.1007/978-3-319-98740-8_4

[30] R. Fogler, I. Cohen, and D. Peled, “Accelerating Black Box Testing with Light-Weight Learning,” Lecture Notes in Computer Science (including subseries Lecture Notes in Artificial Intelligence and Lecture Notes in Bioinformatics), vol. 13872 LNCS, pp. 103–120, 2023. https://doi.org/10.1007/978-3-031-32157-3_6

[31] I. H. Sarker, “Machine Learning: Algorithms, Real-World Applications and Research Directions,” SN Comput Sci, vol. 2, no. 3, pp. 1–21, May 2021. https://doi.org/10.1007/S42979-021-00592-X

[32] A. S. Ferdous, H. S. Akareem, M. Viswanathan, L. D. Hollebeek, and A. Ringer, “Boosting app-based mobile financial services engagement in B2B subsistence marketplaces: The roles of marketing strategy and app design,” Industrial Marketing Management, vol. 119, pp. 147–161, May 2024. https://doi.org/10.1016/J.INDMARMAN.2024.04.014

[33] C. Zhang, D. Lakens, and W. A. I. Jsselsteijn, “Theory Integration for Lifestyle Behavior Change in the Digital Age: An Adaptive Decision-Making Framework,” J Med Internet Res, vol. 23, no. 4, p. e17127, Apr. 2021. https://doi.org/10.2196/17127

[34] R. Davis, R. Campbell, Z. Hildon, L. Hobbs, and S. Michie, “Theories of behaviour and behaviour change across the social and behavioural sciences: a scoping review,” Health Psychol Rev, vol. 9, no. 3, p. 323, Aug. 2014. https://doi.org/10.1080/17437199.2014.941722

[35] K. Agrawal, S. Athey, A. Kanodia, and E. Palikot, “Digital interventions and habit formation in educational technology,” Papers, 2024, Accessed: Nov. 07, 2024. https://ideas.repec.org/p/arx/papers/2310.10850.html

[36] Y. Zhu, Y. Long, H. Wang, K. P. Lee, L. Zhang, and S. J. Wang, “Digital Behavior Change Intervention Designs for Habit Formation: Systematic Review,” J Med Internet Res, vol. 26, no. 1, p. e54375, May 2024. https://doi.org/10.2196/54375

[37] B. Gardner, A. L. Rebar, and P. Lally, “How does habit form? Guidelines for tracking real-world habit formation,” Cogent Psychol, vol. 9, no. 1, Dec. 2022. https://doi.org/10.1080/23311908.2022.2041277

[38] B. Hommel, “GOALIATH: a theory of goal-directed behavior,” Psychol Res, vol. 86, no. 4, pp. 1054–1077, Jun. 2022. https://doi.org/10.1007/S00426-021-01563-W

[39] H. Wang, J. Yang, and P. Li, “How and when goal-oriented self-regulation improves college students’ wellbeing: A weekly diary study,” Current Psychology, vol. 41, no. 11, pp. 7532–7543, Nov. 2022. https://doi.org/10.1007/S12144-020-01288-W

[40] W. Dafri and R. Al-Qaruty, “Challenges and opportunities to enhance digital financial transformation in crisis management,” Social Sciences & Humanities Open, vol. 8, no. 1, p. 100662, Jan. 2023. https://doi.org/10.1016/J.SSAHO.2023.100662

[41] W. Xu, D. Hu, K. R. Lang, and J. L. Zhao, “Blockchain and digital finance,” Financial Innovation, vol. 8, no. 1, pp. 1–4, Dec. 2022. https://doi.org/10.1186/S40854-022-00420-Y

[42] C. M. Malladi, R. K. Soni, and S. Srinivasan, “Digital financial inclusion: next frontiers—challenges and opportunities,” CSI Transactions on ICT 2021 9:2, vol. 9, no. 2, pp. 127–134, Aug. 2021. https://doi.org/10.1007/S40012-021-00328-5